健康问题会减少老年人的消费吗?

B. Butrica, Richard W. Johnson, Gordon B. T. Mermin
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引用次数: 18

摘要

高昂的自付医疗费用可能对老年人及其家庭产生严重影响。如果他们的收入不足以支付这些费用,有健康问题的老年人可能不得不耗尽他们的储蓄,向家人和朋友寻求经济帮助,或放弃必要的护理。或者,他们可能被迫减少其他商品和服务的消费,以支付医疗费用。本文使用健康与退休研究(HRS)和相关消费与活动邮件调查(CAMS)的数据来研究老年人健康问题对自付医疗保健支出和其他类型支出的影响。分析估计了总自付医疗保健支出、不包括保费的自付医疗保健支出、除医疗保健以外的所有项目的总支出以及除医疗保健和住房以外的所有项目的总支出的固定效应模型。这些模型分别对65岁及以上的家庭和51岁至64岁的家庭进行了估算。
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Do Health Problems Reduce Consumption at Older Ages?
High out-of-pocket health care costs may have serious repercussions for older people and their families. If their incomes are not sufficient to cover these expenses, older adults with health problems may have to deplete their savings, turn to family and friends for financial help, or forego necessary care. Or they may be forced to reduce their consumption of other goods and services to pay their medical bills. This paper uses data from the Health and Retirement Study (HRS) and the related Consumption and Activities Mail Survey (CAMS) to examine the impact of health problems at older ages on out-of-pocket health care spending and other types of expenditures. The analysis estimates fixed effects models of total out-of-pocket health care spending, out-of-pocket health care spending exclusive of premiums, total spending on all items except health care, and total spending on all items except health care and housing. The models are estimated separately for households ages 65 and older and those ages 51 to 64.
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