과부담 의료비 지출이 가계의 주관적 의료비부담에 미치는 영향 : 민간의료보험의 조절효과

This study investigates the relationship between catastrophic healthcare expenditure (CHE) and household subjective financial burden due to healthcare expenses focused on the moderating effect of private healthcare insurance (PHI). Using Korea Health Panel Survey (KHPS) data from 2019, this study analyzes 6,019 households. CHE index is defined as a ratio of household healthcare expenditure to its capacity to pay. Subjective financial burden and PHI is measured as 5-points Likert scale and the number of PHI each household has, respectively. Although CHE index shows a significant positive correlation with household subjective financial burden, the explanatory power is not large, which means CHE index has a limited predictability in household subjective financial burden. PHI does not play an important role in decreasing the subjective financial burden. Using the regression model including an interaction term, PHI has a significant moderating effect on the relationship between the CHE index and household subjective financial burden. In details, in the group with lower CHE index, the insured shows lower subjective financial burden than the uninsured. However, there is no significant difference between the insured and the uninsured in the group with higher CHE index. The results of this study suggest that PHI seems to reduce household subjective financial burden for the insured, however, there is a discriminatory effect among the insured with higher healthcare expenses.