??? ??????? ?? ??? ??? ??: ????? ??? ?? (Analysis of Effect of Indemnity Private Health Insurance on Medical Utilization Using Instrumental Variable Regression)

??? ??? ??? ?? ??? ????? ??? ?????? ???? ???? ??. ??????? ?? ??? ??? ???? ??? ??? ??? ??? ?? ???? ???? ???? ??? ??? ???? ??? ??? ?? ???? ??? ??. ? ??? ??? ??????? ???? ?? ? ?? ?? ???? ??? ??? ??? ????? ???? ?????. ? ??? ?????? 2014? ?? ??? ??????, ?? ???? 11,436???. ??? ?????? ?? ??? ???? ???? ??? ????(???? ?? ??, ?? ??? ?)? ???? ????? ?????. ??? ?????? ??? ???? ??? ?? ??? ???? ????? ??? ??????, ????? ?? ??? ?? ???? ???? ?? ?????? ??? ??? ?????. ??? ????? ??? ??? ?? ??? ??????? ?? ??? ??? ?? ? ??? ?? ???? ????? ??? ????.

This study examined the effects of indemnity private health insurance on the medical utilization among the Korean adults. The used data were the 2014 survey data of Korea Health Panel, and the number of subjects was 11,436. Authors employed instrumental variable regression model where the instrument variables for controlling for endogeneity of indemnity were the purchasing of private pension and number of family members. The results showed that the number of outpatient visits and the number of hospitalizations for indemnity private health insurance subscribers were higher than non-subscribers. The number of household members and the private pension variables were proved to be appropriate as instrumental variables. This paper recommends the Korean government to monitor and evaluate the effects of indemnity private health insurance on the medical utilization in order to improve the efficiency of health care finance.