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KMID : 1001320110380030131
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Social Welfare Policy
2011 Volume.38 No. 3 p.131 ~ p.158
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Effects of Economic Factors on Membership Transition in Private Health Insurance
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Kwon Hyun-Jung
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Abstract
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This paper studies effects of economic factors on membership transition in private health insurance on the basis of the tertiary and quadric research of the Korea Welfare Panel, and seeks ways for which Korean medical policies should head. Above all, on the condition of limiting certain factors such as population and health, whether economic factors have effects on applying for private medical insurance is studied by a cross?section analysis. Then, certain types of the insurance participation are organised through panel resources interlocking biennium data. Lastly, membership transitions in private healthcare insurance are depicted with financial causes changing during the 2007?2008 period. The result shows that those with economic changes increasing during a certain period have a wobbling stance on holding membership in private medical insurance in the following year. The close relationship between the membership and monetary issues is explained by the fact that Korean public medical insurance system cannot ensure adequate levels of security, and let private capital deal with the demand for private healthcare insurance. Unfortunately, it may cause a serious problem, the lack of equality of medical care service. This issue varies depending on what kind of situations each state is in or predicament its system faces and even which system it choose. Claiming that economic factors certainly have impacts on joining or holding membership of private medical insurance, the result of this research suggests that the primary purpose of health security systems, which is the equity of medical care, needs to be weighed and considered. Furthermore, it has the implication that the current medical policies have the necessity of widening the security range of public medical care insurance system.
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KEYWORD
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private health insurance, transition, health policy, economic factors, panel analysis
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