[1]武玉霞,韩彩欣.行为经济学视角下河北省惠民保参保意愿影响因素研究[J].卫生经济研究,2026,43(01):57-62.
　WU Yuxia,HAN Caixin.Study on the Influencing Factors of the Willingness to Participate in the Huimin Insurance in Hebei Province from the Perspective of Behavioral Economics[J].Journal Press of Health Economics Research,2026,43(01):57-62.
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行为经济学视角下河北省惠民保参保意愿影响因素研究

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
43
期数:
2026年01期
页码:
57-62
栏目:
医疗保障
出版日期:
2026-01-06

文章信息/Info

Title:
Study on the Influencing Factors of the Willingness to Participate in the Huimin Insurance in Hebei Province from the Perspective of Behavioral Economics
作者:
武玉霞1; 韩彩欣1
1.华北理工大学经济管理学院， 河北 唐山 063210
Author(s):
WU Yuxia;  HAN Caixin
School of Economics and Management, North China University of Science and Technology, Tangshan Hebei 063210, China
关键词:
行为经济学; 惠民保; 参保意愿; 影响因素
Keywords:
behavioral economics;  Huimin insurance;  willingness to participate in insurance;  influence factors
分类号:
R19；F840.684
文献标志码:
A
摘要:
目的：探究行为经济学视角下河北省居民惠民保参保意愿的影响因素，为推动惠民保可持续发展提供参考。方法：利用AMOS 24.0软件构建结构方程模型，验证各因素对惠民保参保意愿的影响程度。结果：居民的损失厌恶、心理账户、概率判断偏误和选择过载，影响其惠民保参保意愿；外部情境因素作为调节变量，负向影响居民参保意愿。结论：政府和保险公司可通过加强干预、加大宣传力度和提高公信力等措施，减轻居民损失厌恶程度，调整居民心理账户结构，纠正居民概率判断偏误，降低居民选择过载效应，从而提升参保意愿。
Abstract:
Objective To explore the factors influencing the willingness of residents in Hebei Province to participate in the Huimin insurance from the perspective of behavioral economics, and to provide recommendations for promoting the sustainable development of supplementary health insurance. Methods A structural equation model was constructed using AMOS 24.0 software to validate the impact of various factors on the willingness to participate in the Huimin insurance. Results The loss aversion, mental accounting, probability judgment bias, and choice overload among residents significantly influenced their willingness to participate in Huimin insurance. Furthermore, external situational factors acted as moderating variables that significantly negatively influenced the willingness. Conclusion The government and insurance companies should strengthen interventions, increase publicity efforts, and improve credibility. These can reduce residents' aversion to loss, adjust their mental accounting structure, correct their probabilistic judgment biases, and alleviate choice overload effects, so as to increase their willingness to participate in Huimin insurance.

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更新日期/Last Update: 2026-01-06