Impact of the Private Insurance Benefits and the medical Care Expenditure on Household Income Inequality

가구소득불평등에 민간보험수입과 의료비본인부담지출이 미친 영향

  • Received : 2017.10.19
  • Accepted : 2017.12.20
  • Published : 2017.12.28


The purpose of this study is to investigate the effect of private insurance revenues and household spending on household income inequality. To this end, we conducted a concentration index and concentration curve analysis for the income level of medical panel survey data in 2015. The main results are as follows. First, the household income concentration ratio is 0.3580, which means that income is concentrated in the high income group, and the degree of inequality is considerably large. Second, although the portion of the private insurance benefits was small on the high-income household, it helped to strengthen the benefits concentration on this group. Third, the low income group has a large self-pay medical expense. Finally, the index of the income excluding the burden of the total medical expenses in the household income was 0.3676, so that even accounting for medical expenses, the income was concentrated in the high income class. Therefore, private insurance benefits and medical expenses were all contributing factors to the inequality of household income, and this study provides the essential materials for research and policy planning which could lead to the convergence of different fields.


Social polarization;Health care equity;Concentration index;Income class;Convergence


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