청구 자료를 활용한 A보험사의 건강보험상품 위험요인 비교 연구

The purpose of this study is for analyzing utilization of each individual insurer at health care insurance market through risk equalization for expenditure spending risk of the people. This study considered cases of netherlands about Risk Equalization to help understanding of risk equalization introduction. To know what is the closest correlation between variables for estimating expenditure spending risk and healthcare expenditure, this study analyzed data of indemnity private health care insurance. The result of this study presents that every utilization of Insurer about risk equalization is different in the case of considering reality that insurers feel more delicately than government or central agency operating risk equalization fund in the whole health care insurance system. This study suggest that risk equalization introduction could bring every insurer utilization of incentives's deduction for selection is high and efficient incentives for expenditure saving is low on the competitive health care insurance market. Therefore, this study is valuable that risk equalization is analyzed in Korea for the first time before enrolling risk equalization policy, and expectable to do an important role of health care reform process.