CAJ | 학술논문

自医疗保险的个人账户政策推行以来，国内外学者对它的功能和作用一直存在争议。本文利用南京市医疗保险数据，采用非平衡面板固定效应回归模型及Robust和Cluster校正的方法．对2002—2006年门诊患者个人账户与医疗支出进行了实证分析。结果显示：个人账户在一定程度上有朝着约束医疗费用的方向发展，特别是对于退休人群而言，医疗个人账户资金在医疗需求更大的人群中得到了释放，而在医疗需求较小的人群中得以储存。该研究的基本结论是，个人账户对城镇医疗保险制度的影响与预期的政策目标基本一致。
자의료보험적개인장호정책추행이래，국내외학자대타적공능화작용일직존재쟁의。본문이용남경시의료보험수거，채용비평형면판고정효응회귀모형급Robust화Cluster교정적방법．대2002—2006년문진환자개인장호여의료지출진행료실증분석。결과현시：개인장호재일정정도상유조착약속의료비용적방향발전，특별시대우퇴휴인군이언，의료개인장호자금재의료수구경대적인군중득도료석방，이재의료수구교소적인군중득이저존。해연구적기본결론시，개인장호대성진의료보험제도적영향여예기적정책목표기본일치。
The function of MSA （Medical Saving Account） has been disputed by scholars worldwide since MSA policy was initiated. Using the Nanjing panel data, this article examines the relationship between outpatients MSAs and medical expenditures with the unbalanced fixed- effect model, further adjusting robust and clusters. The result shows that MSA does play a role in containing medical expenditures while helping people as needed. For retirees in particular, more MSA funds are utilized for people with higher medical demand while more being accumulated for those with lower demand. It can be concluded that the effect of MSA seems to be consistent with the intended policy goal.