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基本医疗保险补偿、健康资本积累与经济增长的动态外部性。

Dynamic externalities of basic medical insurance compensation, health capital accumulation, and economic growth.

作者信息

Yuan Xinyue, Yang Xujin

机构信息

School of Journalism, Communication University of China, Beijing, China.

School of Mathematics and Statistics, Hunan University of Technology and Business, Changsha, China.

出版信息

Front Public Health. 2025 May 1;13:1562417. doi: 10.3389/fpubh.2025.1562417. eCollection 2025.

DOI:10.3389/fpubh.2025.1562417
PMID:40376067
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC12078332/
Abstract

BACKGROUND

A strong healthcare system plays a vital role in reducing the financial burden on households while simultaneously promoting sustainable economic development. This study investigates how dynamic medical insurance compensation affects health capital accumulation and economic growth, thereby revealing the broader economic implications of health policy design.

METHODS

This paper develops a neoclassical economic growth model that incorporates dynamic basic medical insurance and health capital. Utilizing the shooting algorithm, we compute equilibrium solutions at each period along the saddle path and analyze the external effects of different compensation strategies. This approach enables a systematic evaluation of how varying the compensation rate influences welfare, labor allocation, and long-term growth trajectories.

RESULTS

The absence of medical insurance compensation or a constant compensation rate leads to a decline in welfare over time. In contrast, a progressively decreasing compensation rate significantly promotes the consumption of healthcare goods, increases health capital, and stimulates economic growth. The model also shows that this compensation design enhances overall welfare along the transition path and induces a partial reallocation of labor toward the healthcare sector.

CONCLUSIONS

The findings highlight the importance of dynamic, policy-responsive compensation structures in maximizing long-term welfare. A gradually declining medical insurance compensation rate not only improves population health and boosts economic output but also provides a viable strategy for labor market optimization and health system sustainability. These insights offer valuable guidance for health policy reform in developing and transitioning economies.

摘要

背景

强大的医疗体系在减轻家庭经济负担的同时，对促进可持续经济发展起着至关重要的作用。本研究探讨动态医疗保险补偿如何影响健康资本积累和经济增长，从而揭示健康政策设计更广泛的经济影响。

方法

本文构建了一个纳入动态基本医疗保险和健康资本的新古典经济增长模型。利用打靶算法，我们计算沿鞍点路径各时期的均衡解，并分析不同补偿策略的外部效应。这种方法能够系统评估补偿率变化如何影响福利、劳动力配置和长期增长轨迹。

结果

缺乏医疗保险补偿或补偿率不变会导致福利随时间下降。相比之下，逐步降低的补偿率显著促进医疗保健产品消费，增加健康资本，并刺激经济增长。该模型还表明，这种补偿设计在转型路径上提高了总体福利，并促使劳动力部分重新配置到医疗保健部门。

结论

研究结果凸显了动态的、响应政策的补偿结构在最大化长期福利方面的重要性。逐步降低的医疗保险补偿率不仅能改善人口健康、促进经济产出，还为劳动力市场优化和卫生系统可持续性提供了可行策略。这些见解为发展中经济体和转型经济体的卫生政策改革提供了有价值的指导。

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