医疗保险作为我国社会保障制度的一项重要内容，能否提升灵活就业人员的获得感是检验其效用的重要标尺之一。基于2017年的中国家庭金融调查（CHFS）数据，运用倾向得分匹配法（PSM）在反事实框架下研究医疗保险对灵活就业人员获得感的影响，研究结果显示：城乡居民基本医疗保险显著提升了灵活就业人员的获得感，城镇职工基本医疗保险和其他医疗保险对灵活就业人员的获得感无显著影响；医疗保险对灵活就业人员获得感的影响呈现一定的城乡异质性。为了更好地发挥医疗保险的功能、提升灵活就业人员获得感，政府应鼓励参保，适当降低缴费比例，提高医疗保险的可携带性。

As an important part of Chinese social security system, whether medical insurance can enhance the sense of acquisition of flexible employees is one of the important criteria to test the effectiveness. Based on the data of the China Household Finance Survey (CHFS) in 2017, the propensity score matching method (PSM) was used to study the effect of the medical insurance on the sense of acquisition of flexible employees under the counterfactual framework. The results found that: Basic medical insurance for urban and rural residents significantly improved the sense of access of flexibly employed people, while basic medical insurance for urban employees and other medical insurance had no significant effect on the sense of access of flexibly employed people; the effect of basic medical insurance on the sense of access of flexibly employed people showed some urban and rural heterogeneity. In order to use medical insurance more efficiently and enhance the sense of gain for people with flexible employment, the government should encourage flexible employees to be insured, appropriately reduce the payment ratio, and improve the portability of medical insurance.

F842.6；R197.1；C913.7