민간의료보험료 가구부담 및 보험금 수령에 따른 의료비 부담완화 효과 분석

Abstract

The purpose of this study is to analyze the economic burden of private health insurance premium of households and to identify the effect of private health insurance on reducing the burden of medical expenditure. This study identifies the percentage of private health insurance premiums compared to the household income(or household income excluding food expense), based on the Korea Health Panel from 2010 to 2012. It also applies the poverty line and identifies the factors that affect a transition into poverty for households who fell below the poverty line due to the payment of private health insurance premiums. The study also examines the degree of change in economic burden that the receipt of insurance money made among household respondents in the 2012 Korea Health Panel survey. Particularly, there was no household for which medical cost percentage compared to the total household income was higher than 30% in the fourth and fifth quintiles of household income, while total amount of medical expenses and private medical insurance premiums, the proportion of households with 30% or more increased to 17.19% and 7.24%, respectively. After the percentage is calculated by removing the amount of received insurance money from the combined amount of medical costs and private health insurance premiums, the results show that households with a medical cost percentage of 30% or more were 5.47% and 1.97%, respectively, while other quintiles prove that received insurance money has little impact on burden of medical expenditure.