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\begin{document}

\title{Can Private Health Insurance Reduce the Incidence of Household
Catastrophic Health Expenditure in China?}



\author[1]{Xiao Li}%
\author[2]{Long Shi}%
\author[2]{Jun Chen}%
\author[3]{Zangyi Liao}%
\affil[1]{Dalian Minzu University}%
\affil[2]{Youjiang Medical University for Nationalities}%
\affil[3]{China University of Political Science and Law}%


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  \date{May 24, 2024}


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\begin{abstract}
Private health insurance is an important part of China's multilevel
medical security system, which is conducive to improving the medical
security level of insured households. Based on Chinese General Social
Survey (CGSS) data, this study uses a logit model to estimate the impact
of private health insurance on household catastrophic health
expenditure. Our research results show that private health insurance can
significantly reduce the incidence of catastrophic household health
expenditure. Using the instrumental variable method to weaken the
endogenous problem and the propensity score matching method to control
the self-selection problem, the research conclusion is still valid. In
terms of heterogeneity, private health insurance has a greater impact on
reducing the incidence of catastrophic health expenditure in rural and
non-elderly households. The mechanism test shows that health performance
plays an intermediary role between private health insurance and
catastrophic household health expenditure. This study suggests that the
Chinese government should accelerate the development of private health
insurance, expand its coverage of private health insurance, and reduce
the incidence of catastrophic health expenditure in households.%
\end{abstract}%



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