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新型农村合作医疗制度需方公平性研究
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摘要
研究背景:
     公平是人类社会文明进步的重要标志。保证新型农村合作医疗(以下简称新农合)制度覆盖全体农民和参合农民(即需方)得到公平有效的新农合制度保障是政府在社会建设领域追求的重要目标之一。需方公平性是新农合制度内在固有的本质属性和核心价值追求,其大小决定着这项制度的优劣、效果和可持续发展。自2003年开始试点,新农合制度将在2008年全国实现全面覆盖。这项广泛试点和全面推开的新农合制度,其需方在覆盖面、资金筹集、卫生服务利用、费用补偿和医疗救助等环节,都或多或少地没有把公平性有机地融入这项制度,也导致了这项制度未能更好地发挥应有效用。近年来,卫生决策者和研究者开始注重新农合公平性问题,但迄今为止,尚未见系统的新农合制度需方公平性理论研究;对新农合公平性所作的实证研究,往往是在微观层次上对某一个环节(如卫生服务利用或受益),或某个环节中一个方面(如家庭筹资)的公平性进行评价等,且存在各自的局限性和概念内涵不统一、指标归类不合理等,有待从不同角度、选择适宜方法对需方公平性进行全面、系统的探讨;在需方公平性的宏观或整体评价方面,尚未见对新农合制度或其他社会保障制度等需方公平性评价指标体系(模型)专门的研究报导。基于上述,提出本研究课题。
     研究目的:
     本研究从理论和实证两个方面、微观和宏观两个层次对需方公平性进行探讨。(1)理论研究。从现行政策和社会经济学等理论领域中涉及公平性的假设、原理和规律,探求需方公平性的思想和理论依据;研究需方公平性的概念、内涵和评价标准;对现行新农合制度需方公平性进行分析。(2)济南市新农合制度需方公平性实证研究。描述样本县和不同收入组需方的基本情况,分析需方在覆盖面、资金筹集、卫生服务利用、费用补偿和医疗救助等环节的公平性,注重患慢性病需方在不同环节公平性的大小,探讨影响公平性的因素。(3)建立一个量化的,具有适用性和可操作性的新农合制度需方公平性模型;结合样本县数据资料,运用该模型从整体上计算各样本县需方公平性得分并排序;检验模型的效度、信度、适用性和可操作性等。(4)提出改善需方公平性的政策建议。
     研究方法:
     根据不同的研究目的和内容,采取不同的研究方法。(1)理论研究。采用文献复习法,通过比较与分类、分析与综合、归纳与演绎及类比推理等方法,对新农合实践经验进行深入总结、悉心领略和缜密思考,探寻需方公平性的一般理论问题,并分析现行新农合制度需方公平性。(2)济南市新农合制度需方公平性实证研究。利用济南市样本县作为研究现场,采用定性与定量研究相结合、现场调查和文献资料相结合的方法,运用分层抽样调查方法收集样本县基本情况、新农合运行情况、需方的基本信息和卫生服务筹资、需要、利用、费用、补偿及救助等数据资料。对定量资料,根据不同研究内容,采用了率、构成比、相对比、t检验或方差分析、极差法、恩格尔系数(EC)、卫生筹资贡献率(HFC)、卫生筹资公平性指数(FFC)、家庭灾难性卫生支出(CEH)、利用/需要比(Use/needratio)、集中指数(CI)、差异指数(ID)、多元线性回归模型、Logistic回归模型等描述性分析、比较性分析和多因素分析方法。(3)新农合制度需方公平性模型研究。采用改进的Delphi法进行指标筛选,确定指标的权重系数,最终建立需方公平性模型;采用因子分析、克朗巴赫系数、聚类分析和方差分析方法进行模型的结构效度、信度和区分度检验。
     主要结果与发现:
     1、理论研究。(1)现阶段关于公平的主导思想、社会保障理论、边际效用递减规律、罗尔斯正义理论、帕累托最优和改进等对新农合制度需方公平性理论的建立能够提供借鉴和依据。(2)提出了全面覆盖、量能负担等需方公平性的五项原则,明确了需方公平性若干方面的内涵和评价标准。(3)现行新农合制度尚未从主观上和政策法规层面上明确把需方公平性提到应有的高度,理性认识不足,重视程度不够,需方每个环节都不同程度地存在着公平缺失或偏离公平问题。
     2、济南市新农合制度需方公平性实证研究。不同收入组需方在性别、年龄、婚姻状况、文化水平和职业分布等方面存在不同程度的差异。
     (1)覆盖面公平性:贫困人口、流动人口参合率均低于当地农民平均参合率;农民参合率随家庭收入增加而升高。尽管3个样本县农民参合率高达94.45%~98.42%之间,但在自愿参合原则下仍然存在覆盖面不公平和逆向选择现象。
     (2)筹资公平性:①各级财政资助需方采取均一等额法,其实质是一种累退性资助方式:集体经济组织总体上没有形成扶持新农合的长效机制。②需方个人以均一等额法缴费,必然导致不同地区、不同收入需方家庭之间很强的缴费累退性负担。③不同收入组需方家庭的HFC呈明显递减趋势;对需方家庭HFC影响最大的是慢性病因素,其次是收入因素,性别、年龄、婚姻状况、文化程度和职业因素对需方家庭HFC也有影响;患慢性病需方家庭医疗费用负担明显高于非慢性病需方家庭。
     (3)卫生服务利用公平性:①随着收入的增加,不同收入组需方两周就诊率呈明显递增趋势,两周未就诊率和因经济原因未就诊比例呈明显递减趋势;低收入组需方更多地利用基层卫生资源;EC和慢性病是影响需方就诊概率的主要因素,年龄、婚姻状况、收入、家庭人口规模对需方就诊概率有影响,说明收入因素影响门诊卫生服务利用公平性。②低收入组需方住院服务利用较高;随着收入的增加,不同收入组需方应住院而未住院率和因经济原因未住院比例略呈递减趋势;不同收入组需方在不同级别医疗机构住院服务利用结构差别不大。收入因素对住院服务利用公平性影响不大可能与住院弹性较小和低收入组需方住院服务利用释放程度较大有关。③随着收入的增加,不同收入组需方慢性病患者年内治疗率呈递增趋势。④需方慢性病患者的两周就诊率、两周未就诊率、因经济原因未就诊比例分别是非慢性病患者的3.05倍、1.64倍和1.52倍;慢性病患者更多地利用村和乡镇级医疗资源,非慢性病患者更多地利用县级及以上医疗资源。⑤需方慢性病患者既是卫生服务高利用群体,又是卫生服务高未利用群体,医疗费用负担重,容易成为因病致贫和返贫的对象。
     (4)需方医疗费用补偿公平性:①3个样本县新农合基金在门诊和住院之间的基金分配比例、“以大病统筹为主”政策的体现和需方受益存在差别。②极差比、构成比、CI和ID计算结果均反映了高收入组需方门诊受益率大于低收入组需方,需方门诊受益面存在不公平性,而住院受益面向低收入组需方倾斜,公平性较好。③百分比、极差比、构成比、CI和ID计算结果均反映了需方在门诊补偿低水平受益程度下,存在新农合资金由低收入家庭向高收入家庭流动的倾向;门诊医疗费用比门诊补偿费用的公平性略高。④极差比、构成比、CI和ID计算结果均反映需方在住院补偿低水平受益程度下,比较明显地存在新农合资金由低收入家庭向高收入家庭流动的倾向;住院医疗费用的公平性略低于住院补偿费用的公平性。需方门诊费用及补偿费用指标与需方住院费用及补偿费用指标相比,后者的公平性更差,尽管后者住院医疗费用经补偿后不公平程度有所改善。⑤需方慢性病患者的医疗费用和补偿费用均有向高收入组集中趋势,且慢性病患者医疗费用的公平性略低于补偿费用的公平性。⑥在CEH与家庭可支付能力比值30%、40%、50%3个临界点上,随着收入的增加,CEH发生率均呈下降趋势;新农合补偿后,CEH发生率在高收入组下降比例较大,而在低收入组下降比例较小。新农合大病补偿水平很低,缓解大病住院费用对家庭致贫的作用还很有限,且存在不公平现象。⑦最低收入组需方的CEH高于其他组,随着收入的增加,发生CEH的可能性降低。收入、年龄、婚姻状况、家庭人口规模和慢性病因素对需方CEH有影响。
     在需方公平性的一个环节或方面应用多种方法进行测量,并得到了具有一致性的结果是本研究的一个特点。同时,发现或验证了某些研究方法应用于需方公平性不同环节所具有的优缺点。
     (5)3个样本县实施医疗救助均明显滞后于新农合,且存在进度不一,管理不规范,覆盖面低,筹资困难和水平极低等问题,未能承载起底线公平的作用。
     3、新农合制度需方公平性模型的建立和应用。(1)指标筛选科学,权重系数确定合理,建立的新农合制度需方公平性模型,具有适用性和可操作性。(2)本研究制定济南市新农合制度需方公平性指标解释、评价方法和评分标准表,利用需方公平性模型,分别求得3个样本县需方公平性加权累加综合得分结果。分析3个样本县需方公平性实现程度,具有良好的信度、效度和区分度,证明新农合制度需方公平性模型能够运用于工作实践,并具有普遍意义和推广应用价值,但尚需在实践中进一步验证,并随着认识的深化而不断完善。
     政策建议:
     (1)各级政府应高度关注需方公平性,明确把“注重需方公平,提高保障效用”纳入新农合制度应遵循原则,逐步实现从“低水平,广覆盖”向“适宜水平,全面覆盖;量能负担,差别对待;统一补偿方案,满足基本需求”的方向转变。(2)运用确立的需方公平性目标,分阶段、分内容、分层次、分人群地逐步改善需方不同环节和方面的公平性。(3)立法普遍实施,全民强制参合,推进新农合制度覆盖全体农民,全面实现覆盖面公平。(4)完善筹资机制,按照“四步走”战略,采取由粗到细、先定额后定比、先地区后家庭,逐步化小筹资单位的方法,分步骤地改善筹资公平性。(5)注重农村基层医疗卫生机构配套建设,引导和提高需方对农村基层卫生机构的利用水平。(6)按照逆“马太效应”理念,完善需方补偿制度设计,在普遍提高受益面和受益程度的同时,最大限度地缩小不同收入需方的受益差距。(7)积极推进医疗救助制度建设;创造条件,把医疗救助制度有机融入新农合制度保障体系,形成以新农合制度为主导、医疗救助制度为补充的统一管理体制和运行机制。(8)加大对慢性病患者医疗费用分类补偿的范围、项目和比例水平。
Background
     Equity is an important indicator to measure the civilization and progress of a society. One of the important goals of a government in the area of social construction is to assure that all its peasants are covered by the New Rural Cooperative Medical System (NCMS) and to insure the peasants of NCMS get a fair and effective medical guarantee. Thus, equity of the insured peasants (i.e. demand sides) is the nature, and the core pursuits of NCMS, and determines the advantages and disadvantages, effectiveness and sustainable development of it. Since began in some pilot areas in 2003, NCMS will cover all the country in 2008.The equity in the coverage, financing, utilization of health services, the cost of compensation and medical aid, etc. of demand sides is not organically integrated in the extensive pilot and comprehensively implemented NCMS more or less, which resulted in weakened effects. In recent years, health policy-makers and researchers have began to focus on the equity of NCMS, but systemic theoretical study of the equity of the insured peasants of NCMS has not been reported so far. As for the microcosmic aspects, the existing empirical researches of the equity of NCMS often only focus on a particular procedure (e.g. utilization or benefits incidence analysis of health services), or a particular aspect of a procedure (e.g. family-financing) and the indexes of equity and their concepts and contents are not unified, etc. Therefore, it is need to undertake a comprehensive and systematic study from different aspects and selecting appropriate indexes. As for macroscopical aspects, the study on the fairness of the evaluation index system (i.e. model) of NCMS or other medical insurance systems has not been reported. Based on the above background, the objectives of the study are proposed.
     Objectives
     This study explores the equity of demand sides from both theoretical and empirical aspects in line with both microcosmic and macroscopical levels. (1) As regards the theoretical study, it is to seek the ideological and theoretical basis and the concept, content and to define standards of the equity of insured peasants, and to provide analysis on the existing NCMS from theories such as existing policies and social economics related to the assumptions, principle and the law of equity. (2) In accordance with the empirical study of the equity of insured peasants of NCMS in Jinan City. The basic situation of demand sides in three sample counties is described in different income groups. In addition, the equity in the coverage, financing, utilization of health services, the cost of compensation and medical aid, and other factors are analyzed. In particular, the study pays attention to the insured peasants who have chronic diseases. Furthermore, the factors affecting the equity are explored. (3) The study constructs a quantitative, practical and operable model of equity of insured peasants of NCMS, evaluates the equity of three sample counties and tests the validity, reliability, applicability and feasibility of the model. (4) Some policy recommendations are proposed to improve the equity of the insured peasants.
     Methods
     The different methods are used in accordance with the objectives and contents of the different studies. (1) Theoretical study. Literature review, comparison and classification, analysis and synthesis, analog summarized and deductive reasoning methods are adopted to summarize and think on the practical experience of NCMS in-depth, to explore the general theoretical basis of NCMS, and to evaluate the equity of the existing NCMS. (2) Empirical study of the equity of insured peasants of NCMS in Jinan City. Three counties in Jinan City were selected as the study sites. The stratified sample method was used to collect the data of sample counties, the operation conditions of NCMS and the basic information of 3240 families (12,011 persons) and their conditions in health services funding, the needs, utilization, cost, compensation and medical aid and so on. The method includes both qualitative and quantitative study, field investigation and literature review. The quantitative method includes the analysis of rate, ratio, relative ratio, t-test, analysis of variance, range, Engel's Coefficient (EC), Health Financing Contribution (HFC), Fairness of Financing Contribution (FFC), Catastrophic Expenditure Household (CEH), use/need ratios, Concentration Index (CI), the Index of Dissimilarity (ID), Logistic regression models, and other descriptive analysis, comparative analysis and multivariate analysis methods. (3) Model study of the equity of insured peasants of NCMS. Improved Delphi method was adopted for the screening of indicators, and their weighting coefficients, and a model of the equity of insured peasants of NCMS was established ultimately; Methods of Factor Analysis, CronbachαFactor Analysis and Cluster Analysis of variance were used to test the structure validity, reliability and the distinction of the model.
     Main Results and Findings
     1. Theory Study. (1)The main thought on equity at present, theory on social insurance, law of diminishing marginal utility, A Theory of Justice by John Rawls, Pareto optimality and Pareto improvement can be used for reference to establish the equity theory of insured peasants. (2)The study summarized the "Five Cardinal Principles" to the equity of insured peasants, including comprehensive coverage to all peasants, paying for NCMS premium according to one's family economic burden, and so on. It states the content and evaluation criteria to a fair number of links and aspects to the equity of insured peasants. (3)The equity of insured peasants has not been improved to the height of it's own subjectively, both in policy and on law level. We should pay attention to a correct understanding, rational knowledge. All the insured peasants have more or less deletion from the fair question of equity.
     2. Demonstration study on the equity of insured peasants of Jinan City. The insured peasants of different income groups have different levels of difference by gender, age, marital status, educational level and occupational distribution.
     (1) Equity of Coverage: Participation rates of the poverty population and the floating population are lower than those of the local peasants on an average. Participation rates of the peasants increased as the household income increases. Healthy groups and unhealthy groups, rich groups and poor groups have not been reflected the function of risk pooling fully. Coverage unfairness and adverse selection phenomena need to be improved.
     (2) Financing fairness:①Adopting uniform payment amount to every insured peasant, financial support of governments at all levels is a regressive subsidy to the essence. Collective economic organizations have not formed a long-term support mechanism to NCMS on the whole.②Adopting uniform payment amount, individual of the insured peasant will inevitably lead to a highly regressive subsidy and burden to the essence to different regions and different family.③The families' HFC of different income groups showed decreasing trend on the insured peasants. The greatest impact factor affecting family HFC was chronic disease, followed by income. Gender, age, marital status, education and vocational factors on the demand side also affected family HFC. Medical burden to families suffering from chronic diseases was significantly higher than that of non-chronic-disease family.
     (3)Equity of the utilization of health services:①The two-week attendance rate was increased significantly with the increased income increase among the different insured peasants. The two-week non-attendance rate and that for economic reasons were decreased significantly with the income increase among the different insured peasants. Low-income insured peasants utilized more primary health resources. Factors as such EC and chronic diseases mainly affected the attendance probability at the demand sides. Age, marital status, income, and family size of the population impacted the attendance probability of the demand sides. Income factors affected the equity of the out-patient health service utilization.②Utilization ratios of the inpatient health service of low-income insured peasants were higher than those of the others. Non-hospitalization rate which is due to economic reasons were decreased with the income increase among different insured peasants. Different income groups of the insured were different slightly from different levels of medical hospitals. Income factors which have little impact on the equity of the inpatient health service utilization were likely due to tow reasons. In other words, one was smaller flexibility of hospitalization, the other was relating to the larger release of the low-income groups.③With the increase in income, chronic patients in different insured peasants showed a progressive trend.④The ratio of hospitalizing within two-weeks, not hospitalizing within two-weeks, and not hospitalizing for economic reasons of insured peasants with chronic diseases is 3.05 times, 1.64 times and 1.52 times of those of insured peasants without chronic diseases respectively. Patients with chronic diseases are inclined to use village-level and town-level health care resources, while patients without chronic diseases are inclined to use county-level medical resources and above.⑤Insured peasants with chronic diseases are not only the population who make high use of health care resources, but also the population who make low use of health care resources. With high medical expense burden and low health insurance, they are more inclined to become poverty caused by diseases.
     (4) Equity of compensation for medical expense of insured peasants.①The ratio of NCMS fund distribution between out-patient and in-patient, the embodiment of the policy "mainly to catastrophe" and the benefit incidence of insured peasants are different among the three sample counties.②The calculated results using range method, composing ratio, CI and ID reflect that the demand side out-patient's benefit rate of the high-income group is higher than the low-income groups. The out-patient's benefit rate of the demand-side is unfair, however, the cover benefit of hospitalization inclines to the low-income groups which its fairness is well comparatively.③The calculated results from percentage, range ratio, composing ratio, CI and ID reflect in the lower rate benefit level of out-patient compensation of the demand side, showed that the NCMS funds flowed from low-income families to high-income ones. Not only that, after the NCMS compensates the out-patient medical expenses, the fairness of the out-patient compensation expenses has not only unimproved, but also slightly increased the trend of unfairness.④The calculation results reflected that the NCMS funds incline obviously from low-income families to the high-income families, even though in a condition of lower compensation degree to demand-side hospitalization benefit. After the NCMS compensates the hospitalization medical expenses, the degree of unfairness is improved. Comparing the out-patient fees and the compensation funds of the demand-side to the in-patient fees and compensation funds of the demand-sides, the fairness of the latter is worse than the former, although the unfairness of the latter's hospital medical expenses is improved after compensation.⑤There is a concentration trend of medical expenses and compensation for patients with chronic disease to the high-income group, and the equity was improved after compensation.⑥There was a descending trend of CEH with the increasing of income on the critical points of 30%, 40%, 50%, and the CEH of high-income groups showed a relatively larger declining trend than that of low-income groups. The compensation level of serious disease was very low and the relief effect to catastrophe is still very limited, and the inequity still exists.⑦The CEH of the lowest income group is higher than the other groups. The incidence of CEH reduced with the increase in income. The factors from the age, marital status, the population of the family and chronic diseases influence the incidence of CEH of the demand sides.
     The characteristic of the study is that many methods are used to measure the fairness of the demand sides in one point and get the consistent results. At the same time, it is found out or showed that advantages and disadvantages are all coexistence when some research methods are used for the fairness on the different links of the demand sides.
     (5) Medical salvations which were carried out in three sample counties are more significantly behind NCMS. Moreover, there are also some questions, e.g. uneven progress, unstandard management, low coverage to the poor, and the extremely low level of funding difficulties and so on, that could not provide basic medical security for the impoverished population, and bear the weight of "carrying the bottom line of the fairness".
     3. The establishment and application of evaluation indexes system for demand-side of NCMS. (1)Because of the logic selection for the indexes, the rationality for the weighting coefficients, the established evaluation indexes system for fairness at the demand-side of NCMS is applicable and exercisable. (2) This study makes the explanation for the indexes of the demand-side's fairness, valuation methods and standards score table of NCMS in Jinan City, and then makes use demand-side model of fairness to get three sample counties' weighted cumulative combined scores of the equity of the demand sides. It is the degree of the fairness which is carried out in three sample counties has good reliability, validity and distinction by the analysis, that proves the model of the fairness of the demand-sides can be carried out in practice and has universal significance and extended application value. However, it is necessary to be further validated in practice, and constantly improved along with the cognition which is becoming maturated.
     Policy Recommendations:
     (1) Governments should pay more attention to the equity of demand sides, and prioritize the "emphasizing demand side equity, improving medical security utility" into principles of NCMS explicitly. The NCMS should realize the transition to the direction progressively from the "low level, wide coverage" to the "appropriate level, comprehensive coverage, paying premium according to economic level, meeting basic medical demands, equal benefit and differential treatment of demand sides". (2) Applying established aim of demand side equity, the policy to improve the demand side equity should be implemented gradually depending on stages, contents, levels and population groups. (3) Legislation is generally implemented, and NCMS should be translated into compulsory insurance, only by which can NCMS accomplish general coverage and equity in social inclusion. (4) Reforming and improving financing methods should be based on "four stages" strategy, which is from rough to exquisite, from quota to ratio, from area to family, reducing unit of financing and improving equity in financing gradually. (5) Emphasizing corresponding infrastructural construction of rural primary health care facilities, and improving utilization level of these facilities. (6) According to anti-Matthew principle, demand side subsidy design should be improved to minimize the benefit gap, as well as wide benefit population and benefit level generally. (7) Facilitating construction of medical aid scheme, which is supplemental to and combined with NCMS to form the unified administrative system and operation mechanism. (8) For chronic patient, the classification reimbursement scheme should enlarge the reimbursement scope and level.
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