Study on the Impact of Basic Medical Insurance on the Resilience of Rural Household Development

doi:10.19546/j.issn.1674-3830.2025.2.006

China Health Insurance ›› 2025, Vol. 0 ›› Issue (2) : 45-53. DOI: 10.19546/j.issn.1674-3830.2025.2.006

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Abstract

This paper utilizes data from the 2010-2022 China Family Panel Studies (CFPS), adopts the method of moments to measure the indicators of rural household development resilience, establishes a fixed-effects model to systematically assess the impact of basic medical insurance on rural household development resilience, and explores the mechanism. The results show that basic medical insurance can significantly improve rural household development resilience. Specifically, for every unit increase in the basic medical insurance coefficient in rural areas, the rural household development resilience increases by 0.0866 unit on average, other things being equal. The mechanism test finds that family acts on household development resilience through the income effect and the knowledge effect of basic medical insurance, which is mainly manifested in the increase in the amount of medical insurance reimbursement and the improvement in the level of education. This study provides empirical evidence for the development of precise assistance policies to forestall any large-scale relapse into poverty and build a sustainable development system in the rural areas.

Key words

rural household development resilience / medical insurance / income effect / knowledge effect

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Study on the Impact of Basic Medical Insurance on the Resilience of Rural Household Development[J]. China Health Insurance. 2025, 0(2): 45-53 https://doi.org/10.19546/j.issn.1674-3830.2025.2.006

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