민영건강보험의 가입 결정요인에 관한 연구

초록

The purpose of this study is to analyze the determinants of private health insurance in Korea using the Korea Health Survey from 2011 to 2014. This study conducted a Likelihood-ratio test, Wald chi-square test and Multicollinearity. As a result, this study used panel probit model as a optimum model. The main result of study shows that female, higher age, possession of house, higher average annual income, experience of inpatient and experience of outpatient can be classified as positive factor for private health insurance. On the other hand, unmarried person, the self-employed insured or the medical beneficiary, more house members, higher level of grocery expenses and existence of disability are regarded as negative components for private health insurance in Korea. However, in this study factors(medical record, insurance company’s strategies, etc) that significantly affect private health insurance can not considered due to a lack of data.

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