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KMID : 0379720170310010005
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Journal of Korean Community Health Nursing Academic Society
2017 Volume.31 No. 1 p.5 ~ p.18
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A Financial Projection of Health Insurance Expenditures Reflecting Changes in Demographic Structure
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Lee Chang-Soo
Kwon Hyuk-Sung
Chae Jung-Mi
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Abstract
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Purpose: This study was conducted to suggest a method for financial projection of health insurance expenditures that reflects future changes in demographic structure.
Methods: Using data associated with the number of patients and health insurance cost per patient, generalized linear models (GLM) were fitted with demographic explanatory variables. Models were constructed separately for individual medical departments, types of medical service, and types of public health insurance. Goodness-of-fit of most of the applied GLM models was quite satisfactory. By combining estimates of frequency and severity from the constructed models and results of the population projection, total annual health insurance expenditures were projected through year 2060.
Results: Expenditures for medical departments associated with diseases that are more frequent in elderly peoples are expected to increase steeply, leading to considerable increases in overall health insurance expenditures. The suggested method can contribute to improvement of the accuracy of financial projection.
Conclusion: The overall demands for medical service, medical personnel, and relevant facilities in the future are expected to increase as the proportion of elderly people increases. Application of a more reasonable estimation method reflecting
changes in demographic structure will help develop health policies relevant to above mentioned resources.
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KEYWORD
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Health care costs, Demographic aging, Linear models, Health insurance, Health policy
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