|
KMID : 1170320210270010119
|
|
Korean Journal of Health Economics and Policy
2021 Volume.27 No. 1 p.119 ~ p.147
|
|
|
Influence of Private Health Insurance on National Health Insurance Benefit Coverage Extending Policy Effect
|
|
Seo Nam-Kyu
Oh Ha-Lynn
Park Kyoung-Sun
Yi Ok-Hee
|
|
|
Abstract
|
|
|
|
We investigate whether the National Health Insurances‘ policy of expanding coverage for the uncovered medical services leads to a balloon effect since the uncovered medical services costs increased even after the benefit coverage expansion policy were implemented. We divided the increase in the uncovered medical services costs into the three items: a) natural growth from population, income and price level, b) perverse incentive effect from private health insurance market, and c) the new uncovered medical services from technology advance. As a result of estimating the increase rate for each item, the annual average rate of natural growth is estimated at 3%, the annual average growth rate of perverse incentive is 4.5%, and the annual average increase rate of new uncovered medical services is 0.5%. Our results imply that the main factor driving the increase in uncovered medical services costs is perverse incentive effect from private health insurance market, as providers and subscribers frequently used unnecessary medical services. In conclusion, it is necessary to reinforce the management of uncovered medical services costs and reorganize the product structure of private health insurance market, in order to strengthen public health insurance coverage and reduce the burden of medical expenses on the people.
|
|
|
KEYWORD
|
|
|
National Health Insurance benefit coverage expansion, Uncovered Medical Services Costs, Private Health Insurance, Balloon Effect, Perverse Incentive Effect
|
|
|
FullTexts / Linksout information
|
|
|
|
|
|
Listed journal information
|
|
|