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KMID : 0387320210310030364
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Korean Journal of Health Policy and Administration
2021 Volume.31 No. 3 p.364 ~ p.373
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Regressiveness Analysis of Contribution Rate of National Health Insurance Insured
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Na Young-Kyoon
Moon Yong-Pil
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Abstract
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Background: This study aims to examine the regressiveness of national health insurance (NHI) premium burdens for local subscribers.
The government has established a restructuring of health insurance contributions in 2017. Therefore, insurance premium reformbegan in 2018 and the second national health insurance premium reform will be carried out in 2022. We will analyze local subscribersbefore and after the policy reform of 2018.
Methods: This study used data from ‘local premium imposition elements’ in the health insurance statistics annual reports (2017?2019)on National Health Insurance Service (NHIS). This study was calculated contribution rates according to levels of income and propertyfor local insured by the method of comparing. Simulations of primary and secondary reforms were conducted in the study todetermine regressiveness.
Results: Insurance premiums for local subscribers were analyzed separately by income and property insurance premiums. In theincome premium analysis, the higher the income, the lower the premium rate, and then the fixed rate was maintained from a certainsection. The regressiveness of income insurance premiums has been eased in part. On the other hand, the property insurancepremium burden was found to be regressive still by income class.
Conclusion: Regressiveness analysis showed that a decrease in income contributions was achieved to local insured in the first phaseof reform. But in the second phase of reform, more consideration should be given to reductions of property premium portions of localsubscribers. Based on the results, the author suggested policy discussions to reorganizing the new systems of NHI contribution oflocal Insured.
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KEYWORD
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National health insurance, Contribution system, Local insured, Regressiveness
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