Abstract
Using data from the Chinese Household Income Project Survey, this chapter presents an empirical analysis to verify the determinants of participation in medical insurance of urban residents. Several major conclusions emerge. Both adverse selection and liquidity constraints hypotheses were supported. The probability of participation in medical insurance was higher for the middle- and high-income groups than for the low-income group. Some low-income groups were not covered by either public or private medical insurance in 2007, indicating that income inequality results in disparities in medical insurance coverage. Additionally, medical insurance participation differs between state- and non-state-owned sectors. The findings have important policy implications for developing an equitable public medical insurance in China.
This chapter is a revised and developed version of two published papers as follows: Ma, X. (2015). Determinants of participation in medical insurance in urban China. In Ma, X. Public Medical Insurance Reform in China, Chapter 4, Kyoto: Kyoto University Press (in Japanese), copyright © Kyoto University Press, and Ma, X. (2014). The determinants of participation in Chinese urban public health insurance: Empirical analysis using 2008 Chinese Household Income Project Survey. Asian Economic (AJIA KEIZAI), 55(2), 62–94 (in Japanese), copyright © Institute of Developing Economies, Japan External Trade Organization (IDE-JETRO).
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Appendix
Appendix
See Appendix Tables 5.7, 5.8, and 5.9.
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Ma, X. (2022). Determinants of Medical Insurance Participation of Urban Residents. In: Public Medical Insurance Reforms in China. Springer, Singapore. https://doi.org/10.1007/978-981-16-7790-8_5
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DOI: https://doi.org/10.1007/978-981-16-7790-8_5
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