• 한국콘텐츠학회논문지
• /
• 제16권8호
• /
• pp.366-375
• /
• 2016

본 연구는 한국 의료보장제도에 있어서 의료비 부담과 민간의료보험 급여액의 소득계층별 불평등을 평가하고, 가구소득 불평등과의 관계를 확인하는데 목적이 있다. 이를 위해 2014년도 한국의료패널조사 자료를 활용하여, 의료비 부담에 따른 가구소득변화 지니계수를 산출하였다. 주요 분석결과를 살펴보면, 첫째, 우리나라 가구소득 불평등은 소득1분위 평균가구소득이 629만원인 반면, 10분위 소득은 1억 193만원으로 소득분위별 소득금액차이가 매우 컸고, 지니계수가 0.3756으로 불평등 정도가 컸다. 둘째, 가구소득분위별 건강보험과 의료급여 등 공적지원이 이루어지는 외래 입원진료 관련 의료비 부담 지니계수가 0.0761로 나타났으며, 공적제도의 지원이 없는 의료이용을 위한 교통비와 의료용품구입비 등을 모두 포함한 의료비 부담의 지니계수가 0.0878로 나타나서 의료비 부담의 불평등은 공적지원이 있는 부담과 공적지원이 없는 부담 모두 적었다. 가구소득차이와 관계없이 의료비를 부담하고 있는 것이다. 셋째, 가구소득 불평등과 의료비 부담의 관계를 확인하기 위하여 가구소득에서 의료비 부담을 제외하여 지니계수를 산출한 결과 기존 가구소득 지니계수보다 의료비 부담을 제외한 지니계수가 약간씩 증가하였다. 즉, 우리나라 가구의 의료비 부담은 소득계층별로 불평등하여서 가구소득의 불평등을 악화시키데 기여하고 있는 것이다. 이는 건강보험 의료급여와 같은 공적지원이 있는 의료비부담도 동일해서 공적제도가 가구소득 불평등을 약간 악화시켰다. 넷째, 민간의료보험 급여액 지니계수가 0.0927로 나타나서 민간보험 급여액의 불평등은 적었다. 아울러 가구소득과 민간보험급여를 합산하여 산정한 지니계수가 0.3756에서 0.3672로 감소하여서 민간의료보험을 통한 보험금 수입이 가구소득 불평등을 다소 약화시키는 것으로 나타났다.

• 디지털융복합연구
• /
• 제17권4호
• /
• pp.203-210
• /
• 2019

본 연구는 직업분류에 따른 의료비 지출 영향요인을 분석하였다. 한국의료패널(Korea Health Panel)의 2012년도 데이터를 이용하여 만20세 이상의 성인을 대상으로 결측값을 제외한 총 4,538명을 최종 분석대상으로 하였다. 자료분석은 의료비 지출 영향요인을 분석하기 위하여 로지스틱 회귀분석을 하였다. 연구분석 결과 Model 1은 단순노무 종사자에 비해 농림어업 숙련 종사자, Model 2의 경우 직종의 경우 판매 종사자에 비해 단순노무 종사자에서 의료비 지출 증가에 영향을 주는 것으로 분석되었다. 성별은 남자에 비해 여자, 혼인은 무에 비해 유, 소득계층은 1분위에 비해 4분위, 5분위, 만성질환은 무에 비해 유에서 의료비 지출이 높은 것으로 분석되었다. 따라서, 건강검진 또는 예방활동 활성화를 위한 보건의료정책 및 보건학적 접근에 있어서 직종, 만성질환 등을 반영한 보다 체계화된 접근이 필요하다.

• 한국병원경영학회지
• /
• 제19권4호
• /
• pp.57-68
• /
• 2014

Since the introduction of National Health Insurance(NHI) in 1977, it has grown rapidly and contributed to extend patient's access to the health care services. However, limited coverage for health care services of NHI has been ongoing challenge and private health insurance(PHI) has been rising as an alternative source of enhancing coverage and saving out-of-pocket(OOP) expenditure for patients. In this study, after controlling for socio-demographic, economic, health related variables, we identified the patients' healthcare utilization and subsequent OOP expenditure depending on their PHI enrollment and their enrollment types(fixed benefit, indemnity, fixed benefit plus indemnity). Data were collected from the 2010 Korean Health Panel. The unit of analysis was a member of household(n=13,324). Of the 13,324 cases, 70.7% of patients held PHI, in detail, fixed benefit(47.0%), indemnity(3.6%), fixed benefit plus indemnity(20.1%). Major findings showd that patients who enrolled in PHI used more outpatient services(outpatient visit, number of physician visit, number of examination) and spent more OOP expenditure than non-PHI patients. There were also differences of healthcare utilization and OOP expenditure among the types of PHI. In addition, PHI patients used more inpatient services(inpatient use, number of hospitalization, LOS), but there was no significant difference between PHI and non-PHI patients with regard to the OOP expenditure. Thus, we could not find any distinct relationship between the types of PHI and patients' tertiary hospital use. Policy-makers should need careful political deliberation for monitoring the effect of PHI on health care utilization and subsequent expenditure not only to improve patients' coverage but also to save their OOP expenditures.

• 가정과삶의질연구
• /
• 제10권2호
• /
• pp.19-36
• /
• 1992

The purpose of this paper is to analyze empirically the tendency of household consumption expenditure according to the change of social and economical condition, and the factor which influences consumption expenditure of urban household. The data used in analysis are time-series. The data are statistic form Urban Household Economy Survey published by the Economic Planning Board, dating form the first quarter of 1970 to the fourth quarter of 1989. The income of household and consumption expenditure materials were deflated as consumer price index to exclude the influence of prices and the influence of household composition are considered to deflated as the size of the household under assumption of homogeneity. The consumption expenditure items were categorized to 12 relatively large range items. The time-series data were analyzed by using the Two Stage Least Squares and the Ordinary Least Squares. The following is the result of analysis. 1) Rather than the income increase of previous years. the average income increase for two years influences more significantly on consumption expenditure of household. In the case of influence on consumption expenditure for each item by increase in disposable income, such categories as furniture and utensils. clothing and footwear, housing, medical care, culture and recreation, and transportation and communication have significant influence. 2) Among consumption expenditure categories, the increasing factors were furniture and utensils, and clothing and footwear. And the decreasing factors were housing, medical care, culture and recreation ,and transportation and communication. The relative prices, however, had significant influence on categories such as housing, furniture and utensils, medical care , culture and recreation, and transportation and communication and all of them were the decreation factors. 3) Among with changes of social and economical conditions, miscellaneous showed the highest increase in marginal propensity to consume and foods was the lowest. Also culture and recreation and housing brought up a great change of the income elasticity of demand.

• 한국콘텐츠학회논문지
• /
• 제15권12호
• /
• pp.560-571
• /
• 2015

본 연구는 국민의료비의 재원별 공급 분석뿐만 아니라 수요를 결정하는 주요 요인인 연령별과 소득계층별을 동시에 고려한 모형을 설정하고 GARCH 모형을 활용하여 실증분석을 수행하였다. 실증분석 결과에 의하면 포괄적인 형태의 의료보험제도는 보장성이 양호하게 구축되어 있지만, 연령별 및 소득계층별 지원정책을 보다 구체화해야 하는 것으로 나타났다. 그리고 잠재적 취약계층을 지원하기 위해서는 민간재원을, 취약계층을 지원하기 위해서는 공공재원의 확충이 필요한 것으로 분석되었다. 즉, 이와 같은 재원별 확충의 우선순위를 통해 국민의료비 지출의 효율성을 제고할 수 있는 것으로 나타났다. 인구 고령화와 관련해서 살펴보면 보건정책이 적절하게 대응하고 있는 것으로 분석되어, 노인보건의료 관련법이나 노인장기요양보험 등이 양호하게 운용되고 있는 것으로 분석되었다.

• 보건행정학회지
• /
• 제29권2호
• /
• pp.160-171
• /
• 2019

Background: This study purposed to compare the difference on medical utilization and health expenditure of baby boomer generation by depression between gender. Methods: Korea Welfare Panel Survey 2016, provided by the Korea Institute for Health and Social Affairs, was used for the analysis. For the research, we used the two-part model, yes or no of use (part 1), and frequency of use (part 2) for medical utilization. The dependent variables are the whether or not to use of hospitalization services, outpatient services, length of stay, outpatient service visits, and health expenditure. And the independent variables are used as the predisposing (education, spouse presence), enabling (insurance type, private insurance, economic activity, income), and need (chronic disease, self-rated health, disability) factors in the Andersen behavior model. Depression was used as intervening variables. Structural equation model and multiple group analysis by gender were used. Results: There were differences in the medical care usage and cost between men and women in baby boomer. For men, mediating effects of depression were present at the hospitalization (yes/no), length of stay, and health expenditure. On the other hand, for women, the mediating effect of depression was found only at the outpatient visits. Specially, depression was working at the medical services by the different way between gender. The size of effect (multiple group analysis) was affected by significant differences between men and women. Conclusion: This study found that the mediating effect of depression is increased medical usage and health expenditure and the effect factors are different by gender. Therefore, it is necessary to establish a medical care policy considering the socio-economic characteristics of baby boomers.

• 보건행정학회지
• /
• 제33권3호
• /
• pp.363-369
• /
• 2023

The term "catastrophic health expenditure" means assessing the extent to which medical costs cause financial hardship for households. The aim of this research is to analyze the percentage of households that faced severe financial strain due to medical expenses from 2006 to 2021. This was achieved by utilizing data obtained from the National Survey of Tax and Benefit (NaSTaB), Korea Health Panel (KHP), and Households Income and Expenditure Survey (HIES). A trend analysis was conducted to examine the percentage of households that experienced catastrophic healthcare expenses. The households that experienced the catastrophic health expenditure was 2.49% in 2021 using the NaSTaB data. The trend analysis yielded a statistically significant result, indicating a decreasing trend (annual percent change [APC], -4.79; p<0.0001) in the proportion of households facing catastrophic health expenditures. Also, the results of the 2019 KHP and the 2021 HIES showed 1.09% and 2.44% for the households that experienced catastrophic health expenditure. The trend was increased according to the KHP (APC, 0.55; p=0.0004) and the HIES (APC, 7.04; p<0.0001). As a result, this study proposes that sustained attention and further interventions are necessary to ease the economic pressure caused by catastrophic health expenses, particularly for low-income households.

• 한국산학기술학회논문지
• /
• 제16권6호
• /
• pp.4067-4076
• /
• 2015

본 연구는 2008년~2011년 "한국의료패널" 원시자료를 이용하여 연간 가구 과부담 의료비 지출 추이와 과부담 의료비 발생에 영향을 미치는 요인을 알아보고자 하였다. 연도별 과부담 의료비 발생률 추이는 교차분석(correspondence analysis)을 실시하였고, 과부담 의료비 발생에 영향을 미치는 요인은 일반화 추정방정식(generalized estimating equation)을 이용하였다. 연간 과부담 의료비 발생률 추이는 10%, 15%, 20%, 30%, 40% 역치 수준에서 각각 평균 25.1%, 15.4%, 10.1%, 5.4%, 3.2%로 나타났다. 과부담 의료비 발생에 영향을 미치는 요인을 살펴본 결과, 연간 총가구소득이 낮을수록, 가구주의 교육수준이 낮을수록, 의료보장형태가 건강보험가입 가구일수록, 가구주가 장애가 있을수록, 가구주의 연령이 높아질수록, 총가구원 수가 적을수록, 가구원의 주관적 건강수준이 낮을수록, 가구당 만성질환 유병률이 높을수록 과부담 의료비 발생 확률이 높게 나타났다(p<0.05). 따라서 의료 접근성 향상을 위한 전반적인 보장성 확대를 위한 노력과 동시에 특히 의료비 부담이 큰 노인 가구, 만성질환 가구 등의 취약계층을 우선으로 고려하는 정책 마련이 필요하다.

• 한국산학기술학회논문지
• /
• 제15권6호
• /
• pp.3534-3547
• /
• 2014

행위별 지불보상제도는 의료적 관점의 장점에도 불구하고 건강보험 진료비가 급증하는 문제점이 지적되고 있어 이에 대한 합리적인 통제의 필요성이 강하게 제기되고 있다. 본 연구에서는 자료수집이 가능한 27개 상급종합병원을 대상으로 SGR 모형과 DEA모형을 결합해 진료비목표예산 수립과 배분제도를 제안하였다. SGR모형은 거시적 측면에서 누적진료비 목표예산과 당해연도 진료비 목표예산에 따라 차년도의 진료비목표를 제시하는데 사용하였고 DEA모형은 개별병원에 원가의식과 관리 효율성 목표를 제시함으로써 전체적인 예산관리를 가능하게 한다. 즉 예산제도를 성과평가도구의 하나인 DEA모형과 결합함으로써 효율성 그룹에 따른 개별병원 예산을 설계할 수 있었다. 이를 통해 거시적 수준에서 국민소득 수준을 고려한 SGR 모형에서 구해진 예산총액을 배분하고 관리할 수 있는 기전을 확보해 건강보험제도에서 실무적으로도 적용가능한 모형을 설계할 수 있었다.

• 약학회지
• /
• 제57권5호
• /
• pp.369-375
• /
• 2013

Objective: Using the Korean Health Panel data (KHP) of 2008 and 2009, this paper analyzed the effect of antihypertension medication adherence on the changes in medical service utilization and medical expenditure in the next year. Method: Through a face-to-face interview survey, KHP has provided an extensive data on demographic characteristics, medical utilizations behavior, medical expenditure and health behaviors of the targeted households and their members since 2008. KHP is recognized as highly accurate regarding medical expenditure in that it makes the target households to record 'Health diary' whenever they use healthcare service, which could minimize their cognitive bias or memory distortion. The 2010 KHP data was based on the interview from 6,432 households and 19,697 household members. Two part model was used to explore the effects of medication adherence on medical use (logistic regression analysis) and medical expenditures (OLS). Result: Our study result demonstrated that the 74.7% of the patients who strictly adhere to their medication in both years, in 2008 and in 2009, were likely to use inpatient service in 2010. This shows the noncompliant patients were in fact use emergency service less than the compliant patients. Conclusion: Based on our analysis, this paper concludes that the high medication adherence of hypertensive patients could contribute to reduce the emergency service use. Therefore it is highly recommendable for the Korean government and the insurer, NHIS, to actively invest in developing education and promotion program to improve medication adherence among hypertensive patients.