中文摘要：

目的：在克服内生性问题对因果关系不利影响的基础之上，研究医疗保险对老年健康的影响。方法：应用有限信息极大似然法，引入工具变量进行两阶段分析。结果：参加医疗保险种类越多，越能降低老年人患慢性病的风险。但不利于改善自评健康。结论：政府应大力发展新农保等社会保险，提高老年人参加医疗保险的能力。

英文摘要：

Objective： Based on overcoming the adverse effect of endogenous problem of causality; to study the effect of health insurance for the health of the elderly. Methods： To apply limited information maximum likelihood method and introduce instrumental variables for two-phase analysis. Results： The more to types of medical insurance participated, the easier the risk of chronic diseases could be reduced, but unfavorable to improve self-reported health. Conclusion： The government should develop social insurance under New Rural Cooperative Medical System, to improve the abilities of the elderly in participating in medical insurance.