ArticleInquiry : a journal of medical care organization, provision and financing
Impact of Healthcare Financial Stress on Residents' Subjective Well-Being: Health Status and Household Disposable Income as Mediators.
Article in Inquiry : a journal of medical care organization, provision and financing. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Not yet cited in PubMed.
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Abstract
Amid rapid population aging and the rising prevalence of chronic diseases, healthcare-related financial stress has become a critical risk factor undermining residents' subjective well-being. Using micro panel data from the China Family Panel Studies (CFPS) for 2018 to 2022, this study examines the impact of healthcare financial stress on subjective well-being and its underlying mechanisms. Two-way fixed-effects models are employed, controlling for individual and time fixed effects and a wide set of demographic and household characteristics. We estimate the association between healthcare financial stress and happiness scores and use mediation analysis to assess the roles of self-rated health status and freely disposable household income in transmitting this effect. The results indicate that, after controlling for individual and time fixed effects as well as a range of demographic and household characteristics, healthcare financial stress is significantly negatively associated with subjective well-being. Mediation analysis shows that healthcare financial stress worsens self-rated health and compresses disposable income, thereby amplifying its adverse effect on well-being. Heterogeneity analysis further reveals that low-income groups, rural residents, and individuals with limited social security coverage bear a disproportionately larger negative impact, suggesting that healthcare financial stress constitutes an important constraint on advancing common prosperity. Accordingly, this study recommends advancing a "quasi-free" reform of basic healthcare, accompanied by optimizing the financing and expenditure structure and strengthening health insurance payment and oversight, to alleviate healthcare financial stress, enhance well-being, and improve the healthcare security system.
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