CAJ | 학술논문

城镇居民基本医疗保险在广泛促进老年人卫生服务利用的同时，是否会导致老年人医疗负担加重？对此目前仍然存在争论。基于国家基本医疗保险调查数据，在控制其他家庭变量的基础上，分别利用普通最小二乘法和工具变量方法，分析城镇居民基本医疗保险是否会导致老年人医疗负担加重。研究发现，城镇居民基本医疗保险并没有显著增加老年人家庭医疗绝对支出和相对支出，也没有导致老年人医疗负担加重，且这一结论具有稳健性。基于研究结论，提出了进一步提升城镇居民医疗保险制度效率、重视城镇居民基本医疗保险对老年医疗需求的满足等建议。
성진거민기본의료보험재엄범촉진노년인위생복무이용적동시，시부회도치노년인의료부담가중？대차목전잉연존재쟁론。기우국가기본의료보험조사수거，재공제기타가정변량적기출상，분별이용보통최소이승법화공구변량방법，분석성진거민기본의료보험시부회도치노년인의료부담가중。연구발현，성진거민기본의료보험병몰유현저증가노년인가정의료절대지출화상대지출，야몰유도치노년인의료부담가중，차저일결론구유은건성。기우연구결론，제출료진일보제승성진거민의료보험제도효솔、중시성진거민기본의료보험대노년의료수구적만족등건의。
In addition to the increase of utilization of medical service, it becomes a core question whether Urban Residents Basic Medical Insurance (URBMI) will worsen the medical burden of the elderly. Based on the data from National Basic Medical Insurance Survey, on the basis of controlling other household variables, the article uses both the Ordinary Least Square method and the Instrument Variable method to analyze the impact of URBMI on the household medical burden of the elderly. The result shows that URBMI does not increase the elderly’ medical burden significantly. Based on the analysis result, the article puts forward some suggestions such as enhancing the intuition efifciency and paying attention to the elderly’s medical demand.