민간의료보험 가입의 영향요인 - 신규가입과 추가가입을 중심으로 -

Inequality in health care utilization caused by unequal access to health insurance, specially increased purchase of private health insurance (PHI). In order to overcome such limitations, this study analyzed whether the person with PHI, new PHI purchase and additional PHI purchase have or have been selected by insurance companies’ customer selections bias. Used data comes from Korea Health Panel Survey (KHPS) from 2008 to 2011. As a result, the second, the third, and the highest quartile group in household income have 1.73 times, 2.96 times, and 3.73 times more PHI, respectively, than the lowest quartile group. It means that there was inequality in PHI purchase according to income. And less chronic disease patients purchased more new PHI, additional PHI than more chronic disease patients. It indicate that there are limitations in PHI purchase due to chronic diseases. By analyzing the influence factors of new PHI and additional PHI, which were not studied previously, the study was able to prove the existence of customer selection process in PHI purchases. Inequality in PHI purchase by chronic disease patients may have inequality in health care utilization. So it need to be political approach to purchase PHI with equality. Also, It need to recognize that fixed-benefit plans and indemnity plans should be approached in a different manner.