Sun Jian, Coyte Peter C, Liu Yujiang, Wang Qianqiang
Law School, Ningbo University, Ningbo, China.
Donghai Academy, Ningbo University, Ningbo, China.
Cost Eff Resour Alloc. 2025 Apr 10;23(1):10. doi: 10.1186/s12962-024-00584-7.
While studies have reported a positive association between medical insurance and life satisfaction, there is a lack of studies assessing the underlying impact mechanism. The present study aims to investigate the association between Urban and Rural Resident Basic Medical Insurance (URRBMI) and life satisfaction in China, focusing on the mediating role of depression.
Using 2018 wave of China Health and Retirement Longitudinal Study, we employed ordered logit regression models to examine the correlation between URRBMI and life satisfaction. Causal mediation analysis was used to analyze the mediating effect of depression on this association.
URRBMI participation was related to greater life satisfaction (p < 0.01). Depression mediated the correlation between URRBMI and life satisfaction, and the percentage of total effect mediated was 18.20%.
Middle-aged and older adults covered by URRBMI were more likely to have greater life satisfaction than their counterparts because insurance relieved depression.
Our study highlighted many policy suggestions, such as improving its coverage, establishing a unified information platform, and mobilizing social forces to provide better life services.
虽然有研究报告了医疗保险与生活满意度之间存在正相关关系，但缺乏评估其潜在影响机制的研究。本研究旨在调查中国城乡居民基本医疗保险（URRBMI）与生活满意度之间的关联，重点关注抑郁的中介作用。
利用2018年中国健康与养老追踪调查数据，我们采用有序logit回归模型来检验URRBMI与生活满意度之间的相关性。采用因果中介分析来分析抑郁对这种关联的中介效应。
参加URRBMI与更高的生活满意度相关（p < 0.01）。抑郁介导了URRBMI与生活满意度之间的相关性，中介效应占总效应的比例为18.20%。
参加URRBMI的中老年人比未参加者更有可能拥有更高的生活满意度，因为保险缓解了抑郁情绪。
我们的研究提出了许多政策建议，例如提高其覆盖率、建立统一的信息平台以及动员社会力量提供更好的生活服务。
