earticle

영어

This study was conducted to find out the status and factors of private health insurance subscriptions by life cycle and to identify differences in medical usage behavior by life cycle. Using the SPSS 26 program as the 12th-15th (2016-2019) data of the Korea Welfare Panel, the difference subscriptions was identified as Chi-square by demo social and health characteristics of 58,223 people, and the factors affecting subscription were analyzed by polynomial logistic analysis and average analysis was performed for medical use behavior. As a result of the analysis, the biggest factor in purchasing private health insurance was household income, private health insurance coverage is the highest in growth period, and multiple subscriptions were made depending on household income. In youth, household income, spouse, and no disability, and middle age, household income, economic activities, spouses, and health levels were largely influential factors. The rate of private health insurance coverage in old age was the lowest, and low-income households, poor health levels, and people with disabilities were lower. The increase in medical use by private health insurance subscribers also occurred during growth and youth. It is necessary to strengthen the national health insurance coverage, and the role of private health insurance to supplement it should be established in time for the life cycle to complement each other, eliminating blind spots of medical security and maximizing people's health and well-being.

한국어

본 연구는 생애주기별 민간의료보험 가입 현황 및 가입 요인을 알아보고, 민간의료보험 가입에 따라 생애주기별 의료이용 행태 차이를 파악하고자 시행하였다. 한국복지패널 12차-15차(2016-2019년) 자료를 SPSS 26 프로그램을 사용하 여 58,223명의 인구사회학적 및 건강 특성에 따른 민간의료보험의 가입 현황 차이는 Chi-square, 가입 영향 요인은 다항 로지스틱 분석, 의료이용 행태는 평균분석하였다. 분석결과 민간의료보험의 가장 큰 가입요인은 가구소득이었으며, 성장기의 민간의료보험 가입이 생애주기 중 가장 높았고, 가구소득에 의해 복수 가입되었다. 청장년기는 가구소득과 유배우자, 장애가 없는 경우, 중년기는 가구소득과 경제활동, 유배우자, 건강수준이 큰 영향요인으로 나타났다. 노년기의 민간의료보험 가입률이 가장 낮았고, 저소득가구, 낮은 건강수준, 장애가 있는 경우에서 낮았다. 민간의료보험 가입자들의 의료이용 증가도 성장기와 청장년기에 나타났다. 국민건강보험의 보장성 강화와 이를 보충하기 위한 민간의료보험의 역할을 생애주기에 맞춰 정립하여 상호보완적으로 작용하게 하여 의료보장의 사각지대를 없애고, 국민의 건강과 후생을 최대화하여야 할 것이다.