60岁及以上人口比例的增长速度快于其他年龄段。老年人的幸福在很大程度上取决于他们的健康状况。本研究评估了养老金对老年人健康服务利用的影响，并估计了影响老年人健康服务利用所需的养老金规模。采用具有全国代表性的中国健康与退休纵向研究(CHARLS)，采用模糊回归不连续设计并进行分段回归分析。养老金对按收入分列的保健服务利用具有异质性影响。我们发现，养老金鼓励低收入个体使用门诊服务(OR = 1.219, 95% 1.018-1.460)和住院服务(OR = 1.269, 95% 1.020-1.579)。同时，它促进了自我治疗，特别是非处方治疗(OR = 1.208, 95% 1.037-1.407;Or = 1.206, 95% 1.024-1.419;(OR = 1.452, 95% 1.094-1.932;Or = 1.456, 95% 1.079-1.955; respectively) among all income groups. However, receiving a pension had no effect on the frequency of outpatient or inpatient service use. Breakpoints for pension to promote health service utilization were mainly located in the range 55-95 CNY (7.1-12.3 EUR or 8.0-13.8 USD). Our study enriches the literature on pension and healthcare-seeking behaviour, and can be helpful in policy design and model formulation.