河南省18岁及以上居民参加商业医疗保险影响因素分析

目的 了解河南省18岁及以上居民商业医疗保险（以下简称医保）的参保现况，探讨其参加商业医保的影响因素。方法 本文运用2018年河南省第六次国家卫生服务调查的数据，采用logistic回归对18岁及以上居民参加商业医保的影响因素进行分析。结果 河南省18岁及以上居民商业医保参加率城市和农村分别为9.90%和10.71%，均处于较低水平。结果显示:常住地区、年龄、工作、慢病、城乡居民医保、户籍人口中≤14岁少儿占比和≥65岁老年人占比是河南省18岁及以上居民参加商业医保的负向影响因素；文化程度、婚姻、吸烟、每周锻炼次数、其他社会医保、大病保险和家庭人均年收入为正向影响因素。结论 加强保险知识普及，提高居民对商业保险的认知度仍是发展商业医保的重点；同时因人制宜设计保险产品或可成为发展商业医保的突破口。

Influencing factors of commercial medical insurance participation of residents aged 18 and above in Henan

To understand the current status and influencing factors of participation in commercial medical insurance of residents aged 18 and above in Henan Province. Methods Using the data of the 6 thNational Health Service Survey in Henan Province in 2018, this paper analyzed the factors influencing the participation of residents aged 18 and above in commercial medical insurance in Henan Province by logistic regression. Results The participation rate of commercial medical insurance for residents aged 18 and above in Henan Province was 9.90% in urban areas and 10.71% in rural areas, both at low level. The results showed that residence area, age, work, chronic diseases, the basic medical insurance for urban and rural residents, the proportion of children ≤14 years old and the proportion of elderly people ≥65 years old in the registered population were the negative influencing factors of commercial medical insurance participation. The education level, marital status, smoking, weekly physical exercise, other social medical security insurance, serious illness insurance and family annual income were positive influencing factors. Conclusion Strengthening the popularization of insurance knowledge and improving residents’ awareness of commercial insurance are still the focus of developing commercial medical insurance. Meanwhile, designing individualized insurance products may offer opportunities for breakthrough.