- 學位論文
資訊不對稱與醫療保險及住院利用之關聯研究
ASSOCIATION BETWEEN INFORMATION ASYMMETRY, HEALTH INSURANCE AND INPATIENT UTILIZATION
摘要
購買健康醫療保險動機在於預防醫療費用帶來的財務問題，而近年來無論是保險支出或醫療支出皆是逐年上升。本文使用「2005國民健康訪問調查」串聯民國95年以及96年「全民健保資料檔」。以Recursive Bivariate Probit model分析健康醫療險購買機率與住院機率，最小平方法分析住院費用。研究結果發現，經由觀察醫護人員的商業性健康保險購買機率，發現所得相對較低的醫護人員較會在全民健保之外，自行補充商業性健康保險以補足全民健保未保障之財務風險，將醫療支出對自身財務情況及生涯規劃的影響減低，保險市場存在資訊不對稱問題。而在住院利用方面，醫護人員的住院利用率和費用與一般人相比，並未有明顯差別，擁有商業性健康保險者也未有明顯不同的住院利用情況。
並列摘要
The motivation for purchasing health insurance is to prevent an individual fromfinancial risk caused by medical expenditure. However, both health insurance expenditure and medical expenditure increase gradually every year. This study use the 2005 National Health Interview Survey combined with the 2005and 2006 National Health Insurance Database to analyze the probability of purchasing health insurance and the probability and expenditure of receiving inpatient care through the recursive bivariate probit regression model and the ordinary least squares regression model respectively. The results showed that medical care personnel with lower income would purchase commercial health insurance to prevent financial risk from the uncovered parts of the National health insurance system. In other words, there is information asymmetry in the health insurance market. As for inpatient utilization, the utilization rate and expenditure by medical care personnel did not show significant difference from their counterparts. Moreover, individuals with commercial health insurance had similar pattern of inpatient utilization compared to those without specific health insurance.