DOI: 10.7664/CHE20131001
The Empirical Research of the Impact of Health Insurance on Consumption for Urban and Rural Households
ZHOU Qin
YUAN Yan
Abstract：Objective: To explore the effect of health insurance on consumption for rural and urban households. Methods: Using empirical study with the method of quasi-social experiment. Results: Households with health insurance have more consumption than those without health insurance. The higher the coverage of family health insurance improves, the more effects medical insurance would encourage family consumption. Meanwhile, the marginal effect of health insurance on rural households ’ consumption is much bigger than that of urban households. Conclusion: Through enhancing households’ risk tolerance, health insurance reduces households’ precautionary saving motivation and impels to increase the current consumption.
Keywords：health insurancehousehold consumptionprecautionary savingquasi-social experiment
Publication Date：2013-01-01
Online Publishing Date：2025-08-15(First online date of this platform, not the publication date of the document)
Pages：3( 5-7 )