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新型农村合作医疗制度是我国农村最基本的医疗保险制度,政府和农户是其最主要的筹资来源。个体健康水平和家庭经济、规模等状况是影响家庭医疗保险投资决策的主要因素。本文旨在研究健康和家庭对家庭健康保险筹资比例决策的影响,本文在一个合意的筹资规模假设下,通过Multinomial Logistic回归和Crosstabs方法,考察个人和家庭的健康状况以及家庭经济、规模等状况对家庭期望保险筹资比例的影响状况。分析结果证明,家庭健康状况而不是家庭成员个人健康状况影响农户期望缴费比例,而家庭规模、家庭经济状况均影响农户期望缴费比例。
The new rural cooperative medical system is the most basic medical insurance system in rural areas of our country, and the government and rural households are the most important sources of fund-raising. Individual health and family economy, size and other conditions are the main factors affecting the family medical insurance investment decisions. The purpose of this paper is to study the effect of health and family on the decision-making of family health insurance financing. This paper examines the health status of individuals and families, family economy and scale through Multinomial Logistic regression and Crosstabs under the assumption of a desirable financing scale The impact of the family expectation insurance funding ratio. The results of the analysis show that family health status, rather than personal health status of family members, affects the proportion of households that are expected to pay, while household size and household economic status all affect the proportion of households that are expected to pay contributions.