中国人民大学

　　孙伟，中国人民大学汉青经济与金融高级研究院助理教授。金融学士学位，在博林格林州立大学取得经济学和应用统计学双相关证书在波士顿学院取得经济学博士学位。中国人民大学孙伟教授研究主要集中在公共经济学和财政经济学。中国人民大学孙伟现阶段教授在职学习阶段的金融经济学和货币经济学课。

　　中国人民大学孙伟教授认为：养老院的培训费是一项重大的财务风险老人。然而，从健康与退休研究(HRS)的数据显示，年长者只有约10%的购买长期护理保险(LTCI)，以对冲风险，许多依靠医疗补助，对公共卫生项目的提醒较差的。使用HRS的数据，我估计LTCI购买决策的结构模型。我发现，这个群体有一个适度的偏好更高品质的家庭护理和低遗赠动机。因此，医疗排挤LTCI。我评价旨在刺激卷取LTCI和削减医疗补助支出两个电流的公共政策。我表明，无论是税收补贴和长期护理的合作伙伴关系政策将适度提高保险覆盖面，并最有可能增加，而不是减少，医疗成本。最后，中国人民大学孙伟教授讨论可实现两个目标在同一时间几个潜在的公共政策。以下为原文。

　　The cost of nursing home represents a substantial financial risk for the elderly. Yet, data from the Health and Retirement Study (HRS) shows that only about 10 percent of older individuals purchase long-term care insurance (LTCI) to hedge the risk, with many of the reminder relying on Medicaid, the public health program for the poor. Using the HRS data, I estimate a structural model of LTCI purchase decisions. I find that this population has a modest preference for higher quality nursing home care and a low bequest motive. Thus, Medicaid crowds out LTCI. I evaluate two current public policies designed to stimulate the take-up of LTCI and to cut Medicaid expenditure. I show that both tax subsidies and long-term care partnership policies would modestly increase insurance coverage and are most likely to increase, rather than reduce, Medicaid costs. Finally, I discuss several potential public policies that could achieve the two goals at the same time. The proposed test approach.