• 보건행정학회지
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• 제33권2호
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• pp.166-172
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• 2023

Background: To improve the support low-income individuals' medical expenses, it is necessary to think about ways to enhance the Catastrophic Health Expenditure Support Program. This study proposes expanding support criteria and changing the income standard. Methods: This study conducted simulations using national data from the National Health Insurance Service. Simulations performed for people who have used health services (n=172,764) in 2022 to confirm the Catastrophic Health Expenditure Support Program's size based on changes to the subject selection criteria. Results: As a result of the simulation with expanded criteria, the expected budget was estimated to increase between Korean won (KRW) 13.2 (11.5%) and 138.6 billion (37.4%), and the number of recipients increased between 41,979 (48.9%) and 150,317 (76.1%). The results of the simulation for the change in income criteria (applied to health insurance levels below the 50th percentile) estimated the expected budget to increase between KRW -8.9 (-7.8%) and 55.6 billion (15.0%) and the number of recipients to increase between -8,704 (-10.1%) and 41,693 (21.1%) compared to the current standard. Conclusion: The 2023 Catastrophic Health Expenditure Support Program's criteria were expanded as per the 20th Presidential Office's national agenda to alleviate the burden of medical expenses on the low-income class. In addition, The Catastrophic Health Expenditure Support Program needs to be integrated with other medical expense support policies in the mid- to long-term, and a foundation must be prepared to ensure the consistency of each system.

• 보건행정학회지
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• 제33권4호
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• pp.400-410
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• 2023

Background: As the government has recently been discussing the expansion of the disaster health expenses support project, we would like to confirm the characteristics of beneficiaries of the support project, particularly those of high-cost beneficiaries. Methods: Using the database of catastrophic health expenditure support project from 2019-2020, this study aims to confirm the characteristics of high-cost beneficiaries focusing on the overlap of the relieved out-of-pocket systems, known as the out-of-pocket ceiling system and the system for rare incurable diseases. Logistic regression analysis is used to examine this issue. Results: In order to analyze the factors influencing high-cost beneficiaries, five models were created and analyzed, including the status of duplicated beneficiaries for relieved out-of-pocket systems, sociodemographic and economic factors, and individual health status as sequential independent variables. All five models were statistically significant, of which economic factors had the greatest impact on the model's predictions. The main results indicated that those who benefited from multiple systems in duplicate were more likely to be high-cost beneficiaries, and there is a higher probability of incurring high health expenses among the underage. In addition, within the beneficiaries of catastrophic health expenditure support project, it was observed that higher health insurance premium percentiles are associated with a higher proportion of high-cost beneficiaries. Conclusion: This study examined the characteristics of high-cost beneficiaries by encompassing reimbursement and non-reimbursement. According to this study, it is expected to be used as basic data for setting priorities and improving the current criteria of catastrophic health expenditure support project, aiming to sequentially expand the program.

• 보건행정학회지
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• 제34권3호
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• pp.319-333
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• 2024

연구배경: 65세 이상 독거노인을 대상으로 재난적 의료비 발생의 영향요인을 파악하고, 이를 바탕으로 독거노인의 재난적 의료비 지출(catastrophic health expenditure) 관리방안을 논한다. 방법: 본 연구에서는 한국고령화패널조사 6차(2016년), 7차(2018년), 8차(2020년) 자료를 활용하여, 독거노인의 재난적 의료비 발생률을 파악하고 패널로짓 분석을 실시했다. 종속변수는 재난적 의료비 지출의 발생 여부(역치: 10%, 20%, 30%)이며, 독립변수로는 인구통계학적 요인(성별, 연령 구분, 지역), 사회경제학 요인(교육수준, 경제활동 상태, 소득분위, 자녀의 재정지원율), 건강 관련 요인(주관적 건강상태, 규칙적 운동, 흡연, 음주, 만성질환 개수), 의료보장 요인(의료보장 형태, 민간의료보험 가입)을 선정했다. 결과: 성별을 구분한 기술통계 결과를 보면, 질환 유병, 사회·경제적 측면에서 여성 독거노인이 남성 독거노인보다 취약한 것으로 나타났으며, 모든 역치에서 여성 독거노인의 재난적 의료비 발생률이 남성 독거노인보다 높았다. 패널로짓 분석의 주요 결과를 보면, 교육수준, 소득분위, 자녀의 재정지원율이 높아질수록 재난적 의료비 발생확률이 낮고, 주관적 건강상태가 나쁘고 만성질환 개수가 많을수록 재난적 의료비 발생확률이 높게 나타났다. 의료급여 수급자는 건강보험 가입자보다 재난적 의료비 발생확률이 낮았다. 결론: 본 연구의 결론은 다음과 같다. 첫째, 독거노인 중에서도 건강상태가 나쁘고, 소득·교육수준이 낮은 취약 독거노인의 경우 재난적 의료비 발생확률이 높았다. 둘째, 이처럼 건강 및 사회·경제적 측면에서 취약한 독거노인을 중심으로 재난적 의료비 지원사업, 만성질환 관리사업 등의 제도를 점검할 필요가 있다. 셋째, 재난적 의료비 지원제도를 환자 중심적(patient-centered)으로 운영하여 도움이 필요한 독거노인을 선별해 지원하는 맞춤형 제도를 검토해 볼 필요가 있다.