The Impact of the Integration of Urban and Rural Residents' Medical Insurance on the Consumption Gap Among Rural Households

doi:10.19546/j.issn.1674-3830.2025.9.008

China Health Insurance ›› 2025, Vol. 0 ›› Issue (9) : 68-77. DOI: 10.19546/j.issn.1674-3830.2025.9.008

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Abstract

Objective: The paper studies the impact of the integration of urban and rural residents' medical insurance system on the consumption gap among rural households (households or household units with agricultural production as the main source of income). Methods: Based on the five-phase data from the China Health and Retirement Longitudinal Study (CHARLS) from 2011 to 2020, by constructing a difference-in-difference model, the paper analyzes the impact of the integration of urban and rural residents' medical insurance system on the consumption gap among rural households and explores its mechanism and heterogeneous effects. Results: The integration of urban and rural residents’ medical insurance has significantly reduced the consumption gap among rural households, and its mechanism is mainly reflected in lowering the out-of-pocket medical expenses and health risks of rural households. Through heterogeneity analysis, it was found that the integration of urban and rural residents’ medical insurance has a more significant impact on the rural middle-aged population and low-income families. Conclusion: The integration of the medical insurance system for urban and rural residents plays a significant role in alleviating the consumption gap among rural households. It is of indispensable importance in promoting fair consumption, facilitating the achievement of the goal of common prosperity, and driving the long-term stable development of the economy.

Key words

integration of medical insurance for urban and rural residents / rural households / consumption gap / relative deprivation index

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The Impact of the Integration of Urban and Rural Residents' Medical Insurance on the Consumption Gap Among Rural Households[J]. China Health Insurance. 2025, 0(9): 68-77 https://doi.org/10.19546/j.issn.1674-3830.2025.9.008

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