时间：2025年3月6日（周四）13:30-15:00

地点：北大国发院承泽园344教室

主持人： 雷晓燕、易君健

参与老师：张丹丹、李玲、刘国恩、黄炜

主讲人：丁晖，复旦大学经济学院

摘要：Public-private partnership (PPP) health insurance plans have been viewed as a promising tool to expand coverage while maintaining fiscal sustainability. However, in settings like China, with universal basic public insurance but still-emerging private insurance markets, little is known about their impact, particularly whether they increase overall coverage or displace existing private insurance. To examine this, we leverage the staggered introduction of China’s Urban-Customized Supplemental Medical Insurance (UCSMI) across cities and a novel transaction-level dataset of private health insurance. Results reveal significant spillover effects on both the extensive and intensive margins: UCSMI substantially crowds out private insurance purchases and reduces average coverage amount. Average premiums paid also decline, with two-thirds of the reduction driven by consumers opting for narrower coverage and the remainder likely due to insurers’ pricing adjustments. A back-of-the-envelope calculation suggests that the decline in private insurance purchases offsets at least 25% of UCSMI enrollment gains. These findings provide important insights for comprehensively evaluating PPP insurance programs.

主讲人简介：

丁晖，复旦大学经济学院青年副研究员，本科毕业于北京大学，博士毕业于斯坦福大学，后在普林斯顿大学进行博士后研究。主要研究领域为健康经济学与、劳动经济学与公共经济学。文章发表在Review of Economics and Statistics, Journal of Health Economics等国际期刊，并担任AER, RES, AEJ等期刊的匿名审稿人。