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医疗保险能挽救生命吗?

DOES MEDICARE SAVE LIVES?

作者信息

Card David, Dobkin Carlos, Maestas Nicole

机构信息

University of California, Berkeley.

出版信息

Q J Econ. 2009;124(2):597-636. doi: 10.1162/qjec.2009.124.2.597.

DOI:10.1162/qjec.2009.124.2.597
PMID:19920880
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC2777733/
Abstract

Health insurance characteristics shift at age 65 as most people become eligible for Medicare. We measure the impacts of these changes on patients who are admitted to hospitals through emergency departments for conditions with similar admission rates on weekdays and weekends. The age profiles of admissions and comorbidities for these patients are smooth at age 65, suggesting that the severity of illness is similar on either side of the Medicare threshold. In contrast, the number of procedures performed in hospitals and total list charges exhibit small but statistically significant discontinuities, implying that patients over 65 receive more services. We estimate a nearly 1-percentage-point drop in 7-day mortality for patients at age 65, equivalent to a 20% reduction in deaths for this severely ill patient group. The mortality gap persists for at least 9 months after admission.

摘要

随着大多数人年满65岁有资格享受医疗保险,健康保险特征会发生变化。我们衡量了这些变化对通过急诊科入院治疗的患者的影响,这些患者在工作日和周末的入院率相似。这些患者的入院年龄分布和合并症在65岁时较为平滑,这表明在医疗保险门槛两侧,疾病严重程度相似。相比之下,医院进行的手术数量和总费用清单显示出虽小但在统计上显著的不连续性,这意味着65岁以上的患者接受了更多服务。我们估计65岁患者的7天死亡率下降了近1个百分点,相当于该重症患者群体死亡人数减少了20%。入院后,死亡率差距至少持续9个月。

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The Impact of Nearly Universal Insurance Coverage on Health Care Utilization: Evidence from Medicare.近乎全民覆盖保险对医疗保健利用的影响:来自医疗保险的证据。
Am Econ Rev. 2008 Dec;98(5):2242-2258. doi: 10.1257/aer.98.5.2242.
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Use of health services by previously uninsured Medicare beneficiaries.以前未参保的医疗保险受益人的医疗服务使用情况。
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Emergency department use and subsequent hospitalizations among members of a high-deductible health plan.高免赔额健康保险计划成员的急诊科使用情况及随后的住院情况。
保险客户流失与新冠疫情
JAMA Health Forum. 2025 Jun 7;6(6):e251467. doi: 10.1001/jamahealthforum.2025.1467.
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The poverty prevention effects of health insurance: evidence from China's basic medical insurance program.医疗保险的扶贫效果:来自中国基本医疗保险计划的证据
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Housing insecurity pathways to physiological and epigenetic manifestations of health among aging adults: a conceptual model.老年人住房不安全导致健康的生理和表观遗传表现的途径:一个概念模型。
Front Public Health. 2025 Jan 23;13:1485371. doi: 10.3389/fpubh.2025.1485371. eCollection 2025.
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Health Care Utilization and Costs for Older Adults Aging Into Medicare After the Affordable Care Act.《平价医疗法案》实施后步入医疗保险体系的老年人的医疗保健利用情况及费用
JAMA Health Forum. 2025 Jan 3;6(1):e245025. doi: 10.1001/jamahealthforum.2024.5025.
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Is There a VA Advantage? Evidence from Dually Eligible Veterans.退伍军人事务部有优势吗?来自双重资格退伍军人的证据。
Am Econ Rev. 2023 Nov;113(11):3003-3043. doi: 10.1257/aer.20211638.
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