우리나라 가구 과부담의료비의 발생 및 재발과 관련된 요인 = Factors Associated with Incidence and Recurrence of Household Catastrophic Health Expenditure in South Korea

다국어 초록 (Multilingual Abstract)

Despite South Korea`s universal coverage under National Health Insurance, the financing of healthcare is still dependent heavily on out-of-pocket payment. This can lead many households to catastrophic health expenditure, which is defined as household`s spending for healthcare exceeded a certain portion of its ability to pay. Using Korea Health Panel, this study investigated the incidence of households catastrophic health expenditure and identified the factors related to incidence and recurrence of catastrophic health expenditure in South Korea, The proportion of households with catastrophic health expenditure during three periods were 13.63%, 14.80%, and 14.63%. Applying threshold of 10% of health expenditure out of household income, the panel logit model identified some factors that were related to the higher probability of catastrophic health expenditure; age, job status, and NHI status of household head, private health insurances and chronic diseases among the family members. Recurrent catastrophic health expenditure were also associated with those determinants. The positive or negative contributions of each chronic disease, Medical Aid, and private health insurance identified from this study can guide policy-makers to design better healthcare financing. Protecting people from catastrophic payments should be highly considered as a desirable objective of health policy.

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