基于2022年中国家庭追踪调查（CFPS）数据，采用OLS回归与分位数回归方法，系统探讨了医疗保险参与对居民主观幸福感的影响及其异质性。研究结果显示，医保参与对居民幸福感具有显著正向影响，并且此效应具有稳健性。不同类型的医疗保险对居民主观幸福感的影响存在显著差异：未参保显著降低了居民的主观幸福感，且这一负向效应在低幸福感群体中尤为明显；职工医保则主要提升了低幸福感群体的幸福感；而公费医疗与补充医保对幸福感的影响未达到统计显著性。综上，研究表明，医疗保险的参与，特别是职工医保，对于提升低幸福感群体的幸福感具有关键作用，而未参保群体则面临更大的幸福感下降风险。

Based on the data of China Family Panel Studies（CFPS）in 2022，OLS regression and quantile regression methods were used to systematically explore the impact of medical insurance participation on residents’ subjective well-being and its heterogeneity. The results show that medical insurance participation has a significant positive impact on residents’ well-being，and this effect is robust. There are significant differences in the impact of different types of medical insurance on residents’ subjective well-being：uninsured significantly reduces the subjective well-being of residents，and this negative effect is particularly evident in low-happiness groups；the employee medical insurance mainly improves the happiness of the low happiness group；the impact of public health care and supplementary medical insurance on well-being did not reach statistical significance. In summary，the research shows that the participation of medical insurance，especially employee medical insurance，plays a key role in improving the well-being of low-happiness groups，while uninsured groups face a greater risk of decreased well-being.