Objective: The paper analyzes the effect and heterogeneity of commercial health insurance participation on the incidence of household poverty in China. Methods: The paper uses the data of China Health and Retirement Longitudinal Study in 2018, based on Logistic and propensity score matching (PSM) models. Results: Participation in commercial health insurance can reduce the incidence of absolute and relative household poverty by 6.2 and 8.9 percentage points, respectively. Using PSM to control for sample selectivity bias, the incidence of absolute and relative poverty was significantly reduced by 7.4 and 8.8 percentage points. The participation of commercial health insurance can reduce the incidence of absolute poverty in rural family groups, elderly family groups and the family groups with general health by 8.2, 13.3 and 8.9 percentage points respectively, the incidence of relative poverty dropped by 12.0, 15.6 and 12.7 percentage points respectively, also it can significantly reduce the incidence of absolute poverty of the family groups with poor health by 16.1 percentage points. The effect on other sample groups was not significant. Conclusion: The coverage rate of commercial health insurance is low in China. Participation in commercial health insurance can significantly reduce the incidence of household poverty. The results are robust. The effects of commercial health insurance on the incidence of household poverty are different among urban and rural family groups, family groups with different ages and family groups with different self-rated health status, which has strong heterogeneity. Suggestions: The coverage of commercial health insurance should be expanded. The support for the participation of commercial health insurance in rural areas, elderly families, and families with poor self-rated health status should be strengthened to give full play to the anti-poverty function of commercial health insurance.
Key words
poverty caused by illness /
commercial health insurance /
heterogeneity /
propensity score matching model
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