本研究主要是利用個人醫療保健支出估計生命價值，並探討個人生命價值與年齡之間的關係。我們由民國65年至95年家庭收支調查資料得到個人特性與醫療保健支出，並由內政部所公布的「國民生命表」獲得國人平均餘命與平均死亡率，分析影響醫療保健支出之相關因素，推估各年齡層之個人醫療保健支出，透過醫療保健支出與對應年齡之死亡率估算不同年齡層之生命價值。 本研究之理論模型改寫自Hall and Jones（2007），將其修改為個人最適健康投入模型，使用個人資料（individual data）的個人特性與醫療支出作估計，計算對應不同年齡下的個人生命價值。由於醫療保健支出屬於右偏分配，大多數樣本屬低醫療保健，因此在估計醫療保健支出時，我們分別利用OLS與分量回歸法（Quantile regression）進行估計，以觀察各主要變數在不同分量醫療支出下的影響效果。 研究結果顯示，個人醫療保健支出將隨著教育程度、所得以及死亡率的上升而增加，隨著預期餘命的減少而增加，具有公務員身分或從事風險較高工作者的 醫療保健支出則較從事其他類型工作者少。本研究估算之民國80年個人生命價值最高點皆出現在25-29歲，單身男性約台幣1億3千萬元；丈夫之個人生命價值則約台幣6千4百萬元。95年估算之單身男性與丈夫群組之生命價值最高點約出現在20-24歲與25-29歲，分別約為台幣5億5千萬元與3億元。大致上，個人生命價值皆隨年齡的增長而有下降的趨勢。 The purpose of this study is to use the personal health care expenditure to estimate the value of life saving and to explore the relationship between the value of life saving and age. We use the Survey of Family Income and Expenditure from 1976 to 2006 to obtain the personal characteristics and family medical expenditure, and use the Taiwan Complete Life Table from the Ministry of the Interior announced to obtain the average nation life expectancy and the average nation mortality rate. We analyze the effects of the main factors witch impact the personal health-related expenditure. And we predict the per-medical spending by age, and use the corresponding mortality rates to compute the value of life saving. Our theoretical model of this study is adapted from Hall and Jones (2007). Instead of using the aggregate data, we use the individual data to compute the personal value of life saving at each age. Because of that most people have low medical expenditure, we use both OLS and Quantile regression to analyze the different effects of factors under different quantile of medical expenditure. The results shows that personal health care expenditure will increase with education, income, and mortality rate, and will decrease with life expectancy, civil service worker, and high-risk workers. In this study, the value of life-saving of a 25-29 year-old single male in 1991 is about 130 million NT dollars, and a 25-29 year-old husband is about 64 million. The value of life-saving of a 20-24 year-old single male in 2006 is about 550 million NT dollars, and a 25-29 year-old husband is about 300 million. In general, the value of life-saving will decrease with age.
