社会心态对农村居民参与医保意愿的影响研究OA

Objective To explore the impact of rural residents' social mentality on their willingness to purchase medical insurance,providing theoretical basis and practical reference for optimizing rural medical insur-ance policies and improving participation rate.Methods Using a combination of multi-stage stratified cluster sampling and typical sampling,287 rural residents from Shaanxi,Shandong,and Inner Mongolia provinces(au-tonomous regions)were selected as the research subjects,and questionnaires were distributed to collect data.We constructed social mentality variables from four dimensions:economic factors,medical insurance experience,med-ical insurance awareness,and group behavior influence.With residents' willingness to purchase insurance as the dependent variable and demographic variables such as age and gender as control variables,we established a multi-ple linear regression model for analysis.Results The average social mentality in terms of economic factors was 2.48,showing a negative state.The average value of experience in using medical insurance was 3.09,showing a relatively positive state.The overall sample mean for medical insurance awareness was 2.66,also showing a rela-tively negative state.The average mean of willingness for groups to purchase insurance was 2.26,which was slightly below average.The regression results showed that the social mentality in terms of economy(β=0.355,P＜0.001),experience of using medical insurance(β=0.114,P=0.019),awareness of medical insurance(β=0.403,P＜0.001),and group participation behavior(β=0.137,P=0.003)all had significant positive effects on participation intention,with awareness of medical insurance having the most prominent impact.Conclusions The multidimensional social mentality has a significant positive impact on the willingness of rural residents to pur-chase medical insurance,and optimizing medical insurance policies requires attention to guide and improve resi-dents' social mentality.