医疗保险对低龄老年人再就业的影响分析基于健康的中介效应

Study on the Influence of Medical Insurance on the Re-employment of Younger Elderly PeopleMediating effect based on health

  • 摘要:
    目的/意义 在人口老龄化加速与养老金压力加剧的双重背景下,通过实证分析医疗保险对低龄老年人再就业的影响,以期为缓解劳动力短缺、释放老年人口红利提供参考。
    方法/过程 基于2020年中国健康与养老追踪调查(CHARLS)数据,运用二元Logit模型和中介效应模型,考察医疗保险对低龄老年人再就业的影响。
    结果/结论 研究发现:(1)医疗保险会显著促进低龄老年人再就业;(2)医疗保险通过提高健康水平促进低龄老年人再就业;(3)医疗保险在对低龄老年人再就业的影响存在性别、户籍以及婚姻状况差异,对女性低龄老年人、农村低龄老年人以及有配偶的低龄老年人再就业的促进作用更强。据此提出构建医疗保险参保激励机制,提升医疗保险覆盖率;强化健康保障与就业支持的双向联动,释放医疗保险的促进效能;实施差异化就业支持政策,关注群体异质性需求等建议。

     

    Abstract:
    Objective Under the dual background of accelerating population aging and increasing pension pressure, this paper empirically analyzes the impact of medical insurance on the re-employment of younger elderly people, so as to alleviate the labor shortage and release the bonus.
    Method/Process Based on the data of China Health and Pension Follow-up Survey (CHARLS) in 2020, using binary Logit model and intermediary effect model, this paper investigated the influence of medical insurance on the re-employment of younger elderly people.
    Results/Conclusion  The study found that: (1) Medical insurance will significantly promote the re-employment of younger elderly people; (2) Medical insurance promotes the re-employment of the younger elderly by improving their health level; (3) There are differences in gender, household registration and marital status in the impact of medical insurance on the re-employment of younger elderly people, and it has a stronger role in promoting the re-employment of female younger elderly people, rural younger elderly people and married younger elderly people. Based on this, it is proposed to construct an incentive mechanism for medical insurance participation and improve the coverage rate of medical insurance; Strengthen the two-way linkage between health insurance and employment support, and release the promotion efficiency of medical insurance; Suggestions such as implementing differentiated employment support policies and paying attention to the heterogeneous needs of groups.

     

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