4492 
4363自2012年开始，中国各省市逐步在新农合中引入了大病保险制度，文章采用微观入户调查数据，利用多重差分方法，在纠正了自评健康报告异质性的基础上，实证研究了大病保险对农村居民健康和医疗支出的影响。研究结果表明：更加慷慨的医疗保险会使居民健康的改善幅度增加10%−20%，并且这种作用较为持久，在政策实施后的第三年仍然显著。大病保险同时也刺激了农村居民医疗支出的大幅增长，使家庭人均医疗支出与个人住院支出分别增长了5%和29%。但是上述效应在不同的人群中存在显著差异，从健康改善效应看，农村中上等收入家庭是最大受益群体；从医疗支出的激励效应看，大病保险的激励效应随着家庭人均收入的增加而递增。医疗支出的条件分位数估计结果表明，大病保险对原本医疗支出较高的群体有显著的支出激励作用，而对原本医疗支出较少群体的作用较弱。医疗支出两部分模型的估计结果进一步表明，大病保险并没有提高医疗支出发生的概率，但是对已发生医疗支出的居民，大病保险具有进一步的支出激励作用。上述实证结果通过了一系列的稳健性检验，文章的研究结论为进一步完善中国基本医疗保险制度提供了经验依据。
新农合大病保险改善了农村居民的健康吗？
摘要
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引用本文
赵为民. 新农合大病保险改善了农村居民的健康吗？[J]. 财经研究, 2020, 46(1): 141-154.
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