재난적 의료비 발생 추이 및 결정요인에 관한 연구: 4대 중증질환을 중심으로

In order to improve the health and social security of the people, Korea’s national health insurance prevents excessive burdens on households due to health expenditures and allows them to receive necessary medical services. Nevertheless, calls for stronger health insurance coverage have been continuously raised. In response, in order to improve the coverages of severe diseases and ease the burden of households, the government has implemented several policies since 2005. Policy evaluations should be analyzed as policies have long been implemented to reduce high medical costs for cancer, heart disease, cerebrovascular disease, and rare incurable diseases, which are the four major serious diseases that weigh heavily on the household economy. One of the indicators for looking at the level of national health care and the health burden of households is the "catastrophic health expenditure". This is considered to have resulted in catastrophic health expenditure as it was judged to impose an economic burden on households if they exceeded a certain level by calculating the proportion of medical expenses to their income. However, due to the increase in medical use and health expenditure, a number of catastrophic medical expenses-related studies have been conducted so far, but the research centered on the four major serious diseases where the actual policy was implemented is insufficient. Therefore, this study aims to utilize the three-year data of the Korea Welfare Panel to examine the trend of catastrophic health expenditures of households and to identify the factors that affect the generation of catastrophic health expenditures of households based on the four major diseases through panel analysis.