The Effect of Chinas Basic Medical Insurance System on the Income Distribution

Corresponding author: WU Yu-han, 2017200043@ruc.edu.cn

DOI: 10.12201/bmr.202501.00036

•  

  Abstract: Objective: By deeply exploring the issues of Chinas basic medical insurance system from the perspective of system design, this study provides empirical evidence for future medical insurance reforms aimed at achieving fair social distribution. Methods: Based on the data of China Household Income Project (CHIP), this paper evaluates the effect of Chinas basic medical insurance system on income distribution by using the RE index decomposition method, and calculates the impact of seven kinds of contribution and reimbursement policies on income distribution effect through policy simulation. Results: The current medical insurance payment exhibits a strong regressive character, which leads to the widening of the income gap after the payment of the insured, and the improvement brought by the medical reimbursement mechanism is limited. The implementation of fixed-proportion contribution (especially progressive rate), the integration of resident insurance and employee insurance policies can significantly enhance the income distribution effect of medical insurance; In contrast, the contribution of retired employees and the provincial pooling policy of fund pool have limited effect on improving the equity of medical insurance. Conclusion: Adopt a low rate progressive payment scheme for residents medical insurance, and actively try to promote the pooling of residents medical insurance and employees medical insurance fund, so as to narrow the treatment gap between different medical insurance systems, alleviate the medical burden of low-income residents, further improve the efficiency of the use of medical insurance pooling fund,and ultimately achieve more equitable income distribution.

  Key words: Basic Medical Insurance; Equity; Income Distribution; Policy Simulation

  Submit time: 14 January 2025

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
• html

• 图表

• SHI Shenghui, YOU Mao, LI Rui feng, TIAN Xue qing, REN Ping, ZHENG Qiu ying, WU Lan tao. Analysis of the content of Chinas basic medical insurance policy for Traditional Chinese Medicine from the perspective of policy instrumentSHI Sheng-hui,LI Rui-feng,YOU Mao,TIAN Xue-qing,REN Ping,WU Lan-tao,ZHENG Qiu-ying. 2024. doi: 10.12201/bmr.202405.00004

  ZhangJinsui, Humin, ChenWen, GongYichun, LI Jian-mei. Exploration and enlightenment of the content design of credit management for the basic medical insurance participants in China——Based on the content analysis of the text of credit management policy of 18 regions. 2022. doi: 10.12201/bmr.202207.00025

  LeiXiansheng, GongXi. A longitudinal comparative study of social medical insurance policies from the perspective of welfare incidence. 2021. doi: 10.12201/bmr.202108.00014

  Yu Zhiqing, Zeng Yi. Study on the Sustainability Assessment of Shanghai Basic Medical Insurance Fund for Urban Employees and the Space for Fee Reduction. 2022. doi: 10.12201/bmr.202210.00017

  Wu Mingyang, Hua Hui, Wang Yachao. Study on Equity of Medical and Health Resources Allocation in Chongqing. 2022. doi: 10.12201/bmr.202212.00002

  ZHANG Zhong-fang, LIU Hai-lan, LIU Xing. Definition of The Standard of Catastrophic Health Expenditure in China：Based on The Effect of Medical Expenditure on Household Basic Living Expenses. 2022. doi: 10.12201/bmr.202212.00006

  HU Hongwei, wanghogbo. The Bottom Line of Medical Security in Singapore from the perspective of Policy Network Governance: institutional framework and experience enlightenment. 2023. doi: 10.12201/bmr.202303.00031

  Liu Lihang, Yan Fengling. Study on the Current Situation and Equity of the Allocation of Medical and Health Resources in Hunan Province. 2021. doi: 10.12201/bmr.202108.00025

  WANG Hai-ping NING Man-xiu, Ning manxiu. Does The policy of Integrated Medical Insurance System (IMIS) Alleviate The Medical Burden of the Middle and Old Aged People in Rural Areas? Empirical Analysis Based on The CHARLS Data. 2022. doi: 10.12201/bmr.202207.00035

  yaoqiang, Zhangzhiheng, Chengzhaohui, Lihanxuan. Health Inequalities among Internal Migrants in China from the Perspective of Medical Insurance: Theoretical Framework, Measurement and Mechanism Analysis. 2024. doi: 10.12201/bmr.202412.00007

• ID	Submit time	Number	Download
  1	2024-10-22	10.12201/bmr.202501.00036V1	Download

• Public  Anonymous  To author only Submit Comments