민간의료보험 보유개수가 외래이용횟수와 의료비에 미치는 처리효과 - 다중처리효과(multivalued treatment effects) 추정

Abstract

This research, using medical panel data in 2015, analyzed the relation between outpatient by private health insurance and medical expenses, among 15,264 medical insurance subscribers. Using a multivalued treatment effects, we studied that how much impact on outpatient visit and medical expenses depends on the number of private health insurance they have (1, 2, 3, over 4) compared with uninsured group. Analysis showed that the frequency, who has 3 private medical insurances, increased, resulted the statistical-significance compared with uninsured group. on the other hand, it was not the same result in the other group. Secondly, we studied that how much will number of having a private medical insurance, impact on medical expenses. the group. who has a private medical insurance spends 36,765 won more, who has 2 spends 58,615 more, who has 3 spends 56,758 more, and who has 4 spends 110,040 won more than uninsured one. It is showed that group, who has over 4 private medical insurance spends the most expenses. Therefore, we can interpret private medical insured choose the more expensive treatment. However, there is limit that this research only used data in 2015, and examined in only outpatient visit and medical expenses.