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Associations Between Private Health Insurance and Medical Care Utilization for Musculoskeletal Disorders: Using the Korea Health Panel Survey Data for 2014 to 2015

机译：肌肉骨骼障碍私人健康保险和医疗利用率之间的协会：使用韩国健康小组调查数据2014年至2015年

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In South Korea, people may increase their medical coverage by purchasing private health insurance to augment low coverage provided by the National Health Insurance (NHI). Frequent and excessive use of medical care by those with private health insurance is an issue, especially for musculoskeletal disorders that require excessive care and contribute to moral hazard. In South Korea, since private health insurance is structurally linked to the scope of coverage with public health insurance, this increased use of medical care may adversely affect public health insurance finances. This study aimed to analyze the effects of private health insurance on medical care use for patients with musculoskeletal disorders. We used the Korea Health Panel 2014 to 2015 data that included 5622 participants who used medical care for musculoskeletal disorders in 2015. Two groups were created: those who purchased private health insurance ( n  = 3588) and those without private insurance ( n  = 2034). We compared their medical utilization using logistic regression, negative binomial regression, and multiple linear regression to determine the associations of private health insurance with medical care use. Medical expenditures by private health insurance purchasers were higher than those of non-purchasers for outpatient care ( P  < .001), but no differences were found for inpatient care. Our findings suggest that the expansion of private health insurance further burdened the NHI financially, ultimately increasing the burden of medical expenses for the population. Research should implement demonstration studies with different groups of diseases.
机译：在韩国，人们可以通过购买私人健康保险来增加国家健康保险（NHI）提供的低覆盖率来增加其医疗保险。私人健康保险的人经常和过度使用医疗保险是一个问题，特别是对于需要过度护理并有助于道德危害的肌肉骨骼疾病。在韩国，由于私人健康保险在结构上与公共卫生保险的覆盖范围有关，因此增加医疗的使用可能会对公共卫生保险财政产生不利影响。本研究旨在分析私人健康保险对肌肉骨骼疾病患者医疗用途的影响。我们使用了韩国保健小组2014年至二零一五年的数据，包括谁在2015年两批用于医疗保健肌肉骨骼疾病5622名参与者创建：那些谁购买私人医疗保险（N = 3588）和那些没有私人保险（N = 2034） 。我们使用Logistic回归，负二项式回归和多元线性回归进行比较其医疗利用，以确定私人健康保险与医疗用途的关联。私人健康保险购买者的医疗支出高于非买家的门诊护理（P <.001），但没有发现住院护理的差异。我们的研究结果表明，私人健康保险的扩张进一步负担了NHI财务，最终增加了人口的医疗费用负担。研究应实施与不同疾病群体的示范性研究。

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