Research on the Choice of Medical Insurance Types for Workers in New Employment Forms：Evidence from the floating population

Corresponding author: LI Ya-nan, ya_nanli@163.com

DOI: 10.12201/bmr.202204.00008

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  Abstract: The vigorous development of the platform economy and the digital economy has led to a large number of jobs. The labor characteristics of the new employment forms are clearly different from those of traditional businesses. Therefore, the current social insurance system established on the basis of the formal economy cannot provide this group with a complete and effective guarantee, which has aroused many concerns. In this context, analyzing the main factors that affect their decision to participate in medical insurance will help determine how to provide more effective and comprehensive protection for this group. This paper uses data of the 2017 Floating Population Dynamics Monitoring Survey, and takes new employment forms of workers as the research object, extracts key elements based on their employment characteristics, uses the binomial Logit model to perform regression and performs Sharpley decomposition to examine the influence of individual, work, and social characteristics on the choice of insurance types for the people who have participated in medical insurance in this group. The results show that workers under new forms of employment with more stable employment and work closer to formal employment are more inclined to participate in employee insurance. Among them, the impact of job characteristics is stronger, indicating that the unclear employers responsibility is still difficulty for this group to obtain fair protection.

  Key words: medical insurance, new forms of employment, medicare choice, health promotion; ; ; 

  Submit time: 24 April 2022

  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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