Abstract
This paper investigates how housing wealth affects urban elderly’s commercial health insurance participation by using the discontinuity along housing size formed by China’s housing policies. The empirical results reveal a positive effect of housing wealth on urbanites’ enrolment in commercial health insurance, with elderly previously or currently working in non-public sectors, only having one child, and not having a son exhibiting higher responsiveness to unexpected gains in housing wealth. Moreover, the bumper housing wealth-induced insurance purchasing only takes effect for urban elderly having full homeownership, whereas those with partial ownership and tenants hardly react to housing policies.
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