Performance analysis of increasing pooling level of employee medical insurance from the perspective of resource consumption:An integrated analysis of efficiency and equity
Based on data from the China Family Panel Studies,this study examined the effects of higher pooling levels of Employee Medical Insurance from the perspective of medical resource consumption,considering both efficiency and equity. The results showed significant differences between municipal-level and provincial-level pooling. Municipal-level pooling improved the health of insured individuals without increasing resource consumption. In contrast,provincial-level pooling significantly increased medical resource consumption and insurance fund expenditures without better health outcomes. Furthermore,provincial-level pooling exacerbated fund risks in disadvantaged areas and inequities in medical service utilization for disadvantaged populations. Therefore,before promoting provincial pooling,current reforms should focus on strengthening municipal-level pooling,while paying attention to health performance,giving full consideration to the efficiency of medical insurance funds and the equity between regions and populations,steadily promoting provincial pooling.
Medical insurance pooling levelResource consumptionEfficiencyEquityStaggered difference-in-difference
维普
万方数据
