Adverse selection in a voluntary Rural Mutual Health Care health insurance scheme in China

Social Science & Medicine
Hong WangWilliam C Hsiao

Abstract

This study examines adverse selection in a subsidized voluntary health insurance scheme, the Rural Mutual Health Care (RMHC) scheme, in a poor rural area of China. The study was made possible by a unique longitudinal data set: the total sample includes 3492 rural residents from 1020 households. Logistic regression was employed for the data analysis. The results show that although this subsidized scheme achieved a considerable high enrollment rate of 71% of rural residents, adverse selection still exists. In general, individuals with worse health status are more likely to enroll in RMHC than individuals with better health status. Although the household is set as the enrollment unit for the RMHC for the purpose of reducing adverse selection, nearly 1/3 of enrolled households are actually only partially enrolled. Furthermore, we found that adverse selection mainly occurs in partially enrolled households. The non-enrolled individuals in partially enrolled households have the best health status, while the enrolled individuals in partially enrolled households have the worst health status. Pre-RMHC, medical expenditure for enrolled individuals in partially enrolled households was 206.6 yuan per capita per year, which is 1.7 times as m...Continue Reading

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Citations

Jun 23, 2012·PloS One·Kuangnan FangShuangge Ma
Jan 6, 2009·Health Policy·Xuedan You, Yasuki Kobayashi
Jun 17, 2008·Public Health·S Griffiths
Jun 25, 2009·Health Economics·Adam WagstaffWilliam C Hsiao
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Jan 27, 2021·International Journal for Equity in Health·Shaoguo ZhaiQuanfang Dong

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