Does Medical Insurance Cause Moral Hazard? ——Take Medical Insurance for Urban and Rural Residents as An Example

Corresponding author: Ma Qifeng, ruc_maslow@163.com

DOI: 10.12201/bmr.202411.00011

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  Abstract: This study utilizes balanced panel data from five waves of the Chinese Longitudinal Healthy Longevity Survey (CLHLS) spanning 2005 to 2018 to analyze the impact of urban and rural resident medical insurance participation on moral hazard among older adults. The research findings are as follows: Firstly, participation in urban and rural resident medical insurance does not increase ex-ante moral hazard, such as unhealthy behaviors among older adults. However, it does result in ex-post moral hazard, indicated by a rise in medical expenditures. Secondly, younger seniors and those with deteriorating health conditions are more likely to experience increased medical expenses as an ex-post moral hazard after enrolling in the insurance. Lastly, compared to basic medical insurance for urban residents, older adults are more likely to experience increased medical expenses as an ex-post moral hazard after enrolling in the New Rural Cooperative Medical Scheme, primarily due to a rise in outpatient expenses. These findings highlight the need for a comprehensive understanding of the multi-dimensional attributes of public healthcare policy evaluation and innovate the development concept of the basic medical insurance system for urban and rural residents.

  Key words: Medical insurance for urban and rural residents; Older Adults; Ex-ante moral hazard; Ex-post moral hazard; Fixed effect model

  Submit time: 7 November 2024

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
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  1	2024-07-12	10.12201/bmr.202411.00011V1	Download

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