首页|期刊导航|财经理论与实践|气温变化会带来医保基金支出的增加吗?

气温变化会带来医保基金支出的增加吗?OACHSSCD

Will Temperature Changes Lead to an Increase in Medical Insurance Fund Expenditures

中文摘要英文摘要

在全球气候变暖的现实背景下,选择气温变化这一新颖的分析视角,综合运用基于历史数据的实证分析和基于预测数据的模拟测算,探讨了气温变化对医保基金支出的影响.实证分析表明:年均气温与医保基金支出之间存在正 U 形关系,日均气温的年标准差和春季标准差、落在高温和低温区间的天数对医保基金支出存在正向影响,湿度会加剧高温的不利影响,气温变化对医保基金支出的影响在北方地区和西部地区更为突出.模拟测算显示:在高碳排放的共享社会经济路径下,年均气温上升对医保基金支出的增加效应更加明显.鉴于此,建议构建气候先导的医保基金安全运行预警体系,制定适应气温变化的医保制度可持续发展战略,积极提升参保人群的健康风险防范能力.

Against the backdrop of global climate warming,this study adopts the novel ana-lytical perspective of temperature changes,integrating empirical analysis based on historical data and simulation calculations using predictive data to explore the impact of temperature variations on medical insurance fund expenditures.Empirical tests reveal a positive U-shaped relationship between average annual temperature and medical insurance fund expenditures,while the annual standard deviation of daily average temperatures,spring standard deviation,and the number of days falling within high and low temperature ranges all exhibit positive effects on fund expendi-tures.Humidity exacerbates the adverse effects of high temperatures,and the impact of tempera-ture changes on medical insurance fund expenditures is more pronounced in northern and western regions.Simulation results indicate that under the high-carbon emission shared socioeconomic pathway,the increasing effect of rising average annual temperatures on medical insurance fund expenditures becomes more significant.Accordingly,it is recommended to establish a climate-an-ticipating early warning system for the safe operation of medical insurance funds,formulate sus-tainable development strategies for medical insurance systems adapted to temperature changes,and actively enhance the health risk prevention capabilities of insured populations.

孙翎;李捷瑜;周宇航

中山大学 岭南学院,广东 广州 510275中山大学 岭南学院,广东 广州 510275太平洋安信农业保险股份有限公司,上海 200435

管理科学

气温变化医保基金共享社会经济路径气候适应

temperature changemedical insurance fundshared socio-economic pathclimat-ic adaptation

《财经理论与实践》 2026 (5)

34-42,9

教育部人文社会科学项目(21YJA790030)

10.16339/j.cnki.hdxbcjb.2026.05.005

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