青年灵活就业人员医疗保险参保契合度研究

毛艾琳; 单越剑

引用本文：毛艾琳, 单越剑.青年灵活就业人员医疗保险参保契合度研究[J].中国卫生政策研究,2023,16(3):16-23

青年灵活就业人员医疗保险参保契合度研究

投稿时间：2022-12-12 修订日期：2023-02-19 PDF全文浏览 HTML全文浏览

毛艾琳, 单越剑

首都经济贸易大学劳动经济学院北京 100070

摘要:目的：数字经济发展引致更多青年以灵活就业人员身份参与劳动，在这一背景下从保险认知角度探究提高青年灵活就业人员医疗保障有效性的方式是社会保险“精准扩面”的时代要求。方法：依据中国劳动保障科学研究院课题组关于灵活就业人员的全国调研数据，选取其中的青年群体样本，采用二项logit回归模型及PSM-logit，使用Stata 16.0进行统计分析。结果：保险认知可以提升灵活就业人员的医疗保险参保契合度，并且该影响存在性别、年龄、教育水平和就业选择方面的异质性。结论：要提高灵活就业人员参保率，实现“精准扩面”需要政府加大宣传解释力度，并以灵活的方式解决灵活就业人员参保问题。

关键词:参保意愿灵活就业人员 PSM-logit 医疗保险

基金项目:国家社会科学基金青年项目(20CGL040)

Research on the compatibility of medical insurance participation of young flexible workers

MAO Ai-lin, SHAN Yue-jian

School of Labor Economics, Capital University of Economics and Business, Beijing 100070, China

Abstract:Objective: The development of digital economy provides the young with more opportunities to work as flexible employees. Under this circumstance, it is to answer the call of the era to accurately expand the coverage of social insurance so as to explore ways to improve effectiveness of medical security for young flexible employees from the perspective of insurance cognition. Methods: Based on the national survey data of flexible employees collected by the research group of China Academy of Labor and Social Security Sciences, the study statistically analyzes samples under the age of 45 with Stata 16.0 and the binomial logit regression model and PSM logit. Results: Compatibility of medical insurance participation among flexible employees can be improved by 4.89% with insurance cognition, and heterogeneity in gender, age, education level and employment choice are noticed. Conclusion: Participation in insurance among flexible employees is to be improved, and government's further policy education and publicity are necessary. What's more, flexible methods are needed to solve the insurance coverage problem of flexible employees.

Key words:Willingness to participate in insurance Flexible employees PSM-logit Medical insurance

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