{"id":1860,"date":"2020-05-10T23:35:31","date_gmt":"2020-05-10T14:35:31","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=1860"},"modified":"2020-05-18T18:38:16","modified_gmt":"2020-05-18T09:38:16","slug":"the-covid-19-conundrum-for-health-care-payers","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/the-covid-19-conundrum-for-health-care-payers\/","title":{"rendered":"\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \ucf54\ub85c\ub09819 \ub09c\uc81c"},"content":{"rendered":"<p>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \ub09c\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \ubbf8\uad6d\uacbd\uc81c\uc758 \uac70\uc758 \ubaa8\ub4e0 \ubd80\ubb38\uc774 \ucf54\ub85c\ub09819\ub85c \uc778\ud55c \ub9c9\ub300\ud55c \uc555\ubc15\uc744 \ubc1b\uace0 \uc788\uc9c0\ub9cc \uc758\ub8cc\uc2dc\uc220 \uc218\uc694\uac00 \uae09\uac10\ud568\uc5d0 \ub530\ub77c \uc2e4\uc81c\ub85c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc704\uae30 \uc2dc\uc791 \uc804\ubcf4\ub2e4 \uc7ac\uc815\uc801 \uc0c1\ud0dc\uac00 \uac1c\uc120\ub418\uc5c8\ub2e4. \ud55c\ud3b8, 2021\ub144\uacfc \uadf8 \uc774\ud6c4\ub294 \uc5ec\ub7ec \uc704\ud611\uc694\uc18c\uac00 \uc804\ub9dd\ub418\uc5b4, \ud5a5\ud6c4 12~18\uac1c\uc6d4\uc740 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \uc7ac\uc815\uc5d0 \uc911\ub300\ud55c \uad6c\uc870\uc801 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4.<\/p>\n<p>\ucf54\ub85c\ub09819\uac00 \ub300\ubd80\ubd84\uc758 \uc758\ub8cc\uc2dc\uc2a4\ud15c\uc744 \ud754\ub4e4\uc5b4 \ub193\uc74c\uc5d0 \ub530\ub77c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc758\ub8cc\uae30\uad00\ub4e4\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud55c \uc5ed\ud560\uc744 \ud655\uc2e4\ud788 \uc218\ud589\ud574 \uc654\ub2e4. \ubaa8\ub4e0 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ubcd1\uc6d0\uacfc \uc758\uc0ac\uac00 \uce58\ub8cc\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\ub3c4\ub85d \uc0ac\uc804 \uc2b9\uc778 \ubc0f \uc758\ub8cc\uc774\uc6a9\ub3c4 \uad00\ub9ac \uc808\ucc28\ub97c \uc0dd\ub7b5\ud588\ub2e4. \ub610\ud55c \uc0c1\ub2f9\uc218\uac00 \ub274\uc695\uc2dc \ub4f1 \ucf54\ub85c\ub09819 \uc9d1\uc911\ubc1c\uc0dd\uc9c0\uc5d0\uc11c \uce58\ub8cc\uc81c\uacf5\uc5d0 \ub3c4\uc6c0\uc744 \uc8fc\uae30 \uc704\ud574 \ud544\uc694\ud55c \uc790\uc6d0\uc744 \uc81c\uacf5\ud588\ub2e4. \uc77c\ubd80 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc7ac\uc815\ub09c\uc5d0 \ucc98\ud55c \uc758\ub8cc\uae30\uad00\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \uc2e0\uc18d\ud55c \ubcf4\ud5d8\uae09\uc5ec \uacb0\uc815 \ubc0f \ub300\ucd9c\uc758 \ud615\ud0dc\ub85c \uc7ac\uc815\uc9c0\uc6d0\uc744 \uc81c\uacf5 \uc911\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ud65c\ub3d9\uc744 \uc9c0\uc18d\ud558\uba74\uc11c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ub2f9\uba74\ud55c \uc704\uae30\ub97c \ub118\uc5b4 \ubbf8\ub798\ub97c \ub0b4\ub2e4\ubd10\uc57c \ud55c\ub2e4. \ud5a5\ud6c4 3~6\uac1c\uc6d4 \ub3d9\uc548 \ud2b9\uc815 \uc870\uce58\ub97c \ucde8\ud558\ub294\uc9c0\uc758 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc62c\ud574 \uc774\ud6c4 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \uacbd\uc7c1\ub825\uacfc \uc131\uacf5 \ub2a5\ub825\uc774 \uacb0\uc815\ub420 \uac83\uc774\ub2e4.<\/p>\n<h3><strong>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \ub2e8\uae30\uc801 \ud61c\ud0dd<\/strong><\/h3>\n<p>\uc218\uc2ed \ub144 \ub3d9\uc548 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc740 \uc758\ub8cc\ube44 \uc0c1\uc2b9\uacfc \uc9c0\ubd88\uac00\ub2a5\uc131(affordability) \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \ub178\ub825\ud574 \uc654\ub2e4. \ubaa8\ub4e0 \uc885\ub958\uc758 \ud574\uacb0\ucc45\uc744 \ubaa8\uc0c9\ud574 \uc654\uc9c0\ub9cc \uadf8 \uacb0\uacfc\ub294 \ud3b8\ucc28\uac00 \uc788\uc5c8\ub2e4. \ucf54\ub85c\ub09819\ub85c \uc778\ud574 \uc120\ud0dd\uc801, \ubc18\uc120\ud0dd\uc801, \uc2ec\uc9c0\uc5b4 \uc751\uae09 \uc2dc\uc220\uc774 \uc804\ub840 \uc5c6\ub294 \ucd5c\uc800 \uc218\uc900\uc73c\ub85c \uac10\uc18c\ud558\ub294 \ub370 2\uac1c\uc6d4\ub3c4 \uac78\ub9ac\uc9c0 \uc54a\uc558\ub2e4. \uc774\ub85c \uc778\ud574 \uac70\uc758 \ubaa8\ub4e0 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc801\uc5b4\ub3c4 \uc77c\uc2dc\uc801\uc73c\ub85c\ub294 \uc758\ub8cc\ube44\uc6a9\uc744 \ud06c\uac8c \uc808\uac10\ud560 \uc218 \uc788\uc5c8\ub2e4. \uc774\ub4e4 \ub300\ubd80\ubd84\uc740 \uc62c\ud574 \uae30\ub85d\uc801\uc774\uc9c0\ub294 \uc54a\ub354\ub77c\ub3c4 \uc6b0\uc218\ud55c \uc7ac\ubb34\uc131\uacfc\ub97c \uae30\ub85d\ud558\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\uc758\ub8cc\uae30\uad00\uc774 \ud658\uc790\uc608\uc57d\uc744 \uc7ac\uac1c\ud568\uc5d0 \ub530\ub77c \ubbf8\ub904\uc84c\ub358 \uce58\ub8cc\uac00 \uc7ac\uac1c\ub418\uaca0\uc9c0\ub9cc \uadf8 \uaddc\ubaa8\uac00 \uc704\uae30\uc774\uc804 \uc218\uc900\uc73c\ub85c \uc989\uc2dc \ud68c\ubcf5\ud558\uc9c0\ub294 \uc54a\uc744 \uac83\uc774\ub2e4. BCG\uc758 \ucd5c\uadfc \ucf54\ub85c\ub09819 \uc758\ub8cc\ubcf4\uac74 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \u201c\uac10\uc5ed\ud655\uc0b0\uc5b5\uc81c(flatten the curve)\u201d \ub178\ub825\uc774 \ubbf8\uad6d \uc804\uc5ed\uc5d0\uc11c \uc9c0\uc18d\ub418\uba74\uc11c \ubbf8\uad6d \ub0b4 \uc758\ub8cc\uc2dc\uc220\uc774 60% \uac10\uc18c\ud588\ub2e4. \uac10\uc18c\ubd84\uc758 \uc57d 80%\ub294 \uce58\ub8cc\uac00 \ubbf8\ub904\uc9c4 \uac83\uc774\uba70, 20%\ub294 \uc601\uad6c\uc801\uc73c\ub85c \ucde8\uc18c\ub41c \uc0ac\ub840\ub4e4\uc774\ub2e4.<\/p>\n<p>BCG\uac00 \uc124\ubb38\uc870\uc0ac\ud55c \uc758\ub8cc\uc804\ubb38\uac00\uc758 \uc57d 85%\uac00 \ucf54\ub85c\ub09819\uac00 \ubd80\ubd84\uc801\uc73c\ub85c \uc9c4\uc815\ub41c \uc774\ud6c4\uc5d0\ub3c4 \ubc00\ub9b0 \uc2dc\uc220\uc744 \ucc98\uce58\ud558\ub294 \ub370 1\ub144 \uc815\ub3c4 \uac78\ub9b4 \uac83\uc774\ub77c\uace0 \uc751\ub2f5\ud588\ub2e4. \ub610\ud55c, \uc2dc\uc220 \uac74\uc218\uac00 \ube60\ub974\uac8c \ud68c\ubcf5\ub420 \uac00\ub2a5\uc131\uc740 \ub0ae\ub2e4. BCG\uc758 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc815\ubd80\uc758 \uc0ac\ud68c\uc801 \uac70\ub9ac\ub450\uae30 \uc815\ucc45\uacfc \uc758\ub8cc\uc7a5\ube44 \ubc0f \ubb3c\ud488\uc758 \uc81c\ud55c\uc801 \ubb3c\ub7c9, \uadf8\ub9ac\uace0 \ubbf8\uad6d\uc758\uc0ac\ud611\ud68c(AMA) \ub4f1\uc758 \uc9c0\uce68\uc73c\ub85c \uc778\ud574 \uc2dc\uc220\ub7c9\uc774 \ud5a5\ud6c4 12~18\uac1c\uc6d4 \ub3d9\uc548 \ucf54\ub85c\ub09819 \uc774\uc804 \uc218\uc900 \ub300\ube44 \ud3c9\uade0\uc801\uc73c\ub85c 30% \uac10\uc18c\ud560 \uac83\uc774\ub2e4. \ubcd1\uc758\uc6d0\uc5d0\uc11c \uc9c4\ub8cc\ub97c \ubc1b\ub294 \uac83\uc774 \uc548\uc804\ud558\ub2e4\uace0 \uc18c\ube44\uc790\ub97c \uc124\ub4dd\ud558\ub294 \ub370\ub294 \uc2dc\uac04\uc774 \uac78\ub9b4 \uac83\uc774\ub2e4. \ub610\ud55c, \ubcf4\ub2e4 \ube44\uc6a9\uc774 \uc800\ub834\ud558\uace0 \ud3b8\ub9ac\ud55c \uc6d0\uaca9\uc758\ub8cc \ubc0f \uac00\uc0c1\uc9c4\ub8cc \ud615\ud0dc\ub85c \uc804\ud658\ud55c \uc77c\ubd80 \uac74\ub4e4\uc740 \uadf8 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \uad81\uadf9\uc801\uc73c\ub85c\ub294 \uc758\ub8cc\ube44 \uc808\uac10\uc758 \uc8fc\uc694 \uc218\ud61c\uc790\uac00 \ubbfc\uac04 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc774 \ub418\uc9c0\ub294 \uc54a\uc744 \uac83\uc774\ub2e4. \uac74\uac15\ubcf4\ud5d8\uac1c\ud601\ubc95(ACA: Affordable Care Act)\uc740 \ucd5c\uc800 \uc758\ub8cc\uc190\ud574\uc728(MLR: medical-loss-ratio)\uc744 \uac15\ub825\ud788 \uc801\uc6a9\ud588\uc73c\uba70 \ud604\uc7ac \ucd5c\uc800 \uc190\ud574\uc728\uc744 \ud06c\uac8c \ubc97\uc5b4\ub098\uc11c \uc6b4\uc601 \uc911\uc778 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc740 \uac70\uc758 \uc5c6\ub2e4. \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc758\ub8cc \ube44\uc6a9\uc774 \uc608\uc0c1\uce58 \uc54a\uac8c \uae09\uc99d\ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \uac00\uc815\ud558\uba74, \ub300\ubd80\ubd84\uc758 \uc808\uac10\uc561\uc740 \uc77c\ubc18\uc801 \uc9c1\uc7a5\ubcf4\ud5d8(fully insured)\uc5d0 \uac00\uc785\ud55c \uace0\uc6a9\uc8fc\uc5d0\uac8c \ud658\uae09\ub418\uc5b4\uc57c \ud560 \uac83\uc774\ub2e4. \ub300\ubd80\ubd84\uc758 \ub300\uaddc\ubaa8 \uace0\uc6a9\uc8fc\ub4e4\uc740 \uc624\ub798 \uc804\uc5d0 \uc790\uac00\ubcf4\ud5d8 \ubc0f ASO(Administrative-service-only) \uc0c1\ud488\uc73c\ub85c \uc804\ud658\ud588\uc73c\uba70, \uc758\ub8cc\ube44 \uae08\uc561\uc740 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \uc18c\uad00\uc744 \ubc97\uc5b4\ub098 \uc788\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c, \uc7a5\uae30\uc801\uc778 \ud61c\ud0dd\uc758 \ub300\ubd80\ubd84\uc740 \uace0\uc6a9\uc8fc\uc5d0\uac8c \ub3cc\uc544\uac00\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<h3><strong>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \uac00\uc785\uc790 \ubc0f \uc218\uc775\uc6d0 \ubcc0\ud654<\/strong><\/h3>\n<p>\ub9ce\uc740 \uc804\ubb38\uac00\ub4e4\uc740 \ub0b4\ub144\uc5d0 \uac74\uac15\ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0 \uc0c1\ub2f9\ud55c \ud63c\ub780\uc774 \uc77c\uc5b4\ub0a0 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4. \ub300\uacf5\ud669 \uc774\ud6c4 \uc804\ub840 \uc5c6\ub294 \uc218\uc900\uae4c\uc9c0 \ubbf8\uad6d\uc758 \uc2e4\uc5c5\ub960\uc774 \uc0c1\uc2b9\ud568\uc5d0 \ub530\ub77c \ub9ce\uc740 \uc560\ub110\ub9ac\uc2a4\ud2b8\uac00 \uace0\uc6a9\uc8fc\ub97c \ud1b5\ud574 \uac00\uc785\ud558\ub294 ESI(employer-sponsored insurance) \ubcf4\ud5d8\uc758 \uae09\uac10\uc744 \uc608\uc0c1\ud55c\ub2e4. \ub610\ud55c, \uc774\ub4e4\uc740 \uba54\ub514\ucf00\uc774\ub4dc (\ud2b9\ud788 \uba54\ub514\ucf00\uc774\ub4dc \ud655\ub300 \uc8fc) \ubc0f \uac74\uac15\ubcf4\ud5d8\uac70\ub798\uc18c\ub97c \ud1b5\ud574 \uc81c\uacf5\ub418\ub294 ACA \ubcf4\ud5d8 \uac00\uc785\ub960\uc774 \ud06c\uac8c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc608\uce21\ub4e4\uc774 \ubc29\ud5a5\uc131 \uce21\uba74\uc5d0\uc11c\ub294 \ub9de\ub294\ub2e4\uace0 \ud310\ub2e8\ub418\uc9c0\ub9cc BCG\uc758 \ubcf4\ud5d8\uc0b0\uc5c5 \uc218\uc775\uc6d0 \ubaa8\ub378\uc5d0 \ub530\ub974\uba74 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc774 \uc9c1\uc7a5\ubcf4\ud5d8\uc758 \uc8fc\uc694 \ucd94\uc138\uc640 \uc774\ub85c \uc778\ud55c \uc2dc\uc7a5 \ubcc0\ud654 \uac00\ub2a5\uc131\uc744 \uc880 \ub354 \uc790\uc138\ud558\uac8c \uc774\ud574\ud574\uc57c \ud560 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, BCG\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74 \uc77c\ubc18\uc801\uc778 \uc608\uce21 \ub300\ube44 ESI \uc2dc\uc7a5 \ucd95\uc18c\uac00 \uace0\ub974\uc9c0 \uc54a\uc740 \ud615\ud0dc\ub85c \uc77c\uc5b4\ub0a0 \uac83\uc774\uba70, \ucd95\uc18c \ud3ed\ub3c4 \uc608\uce21\ubcf4\ub2e4 \uc791\uc744 \uac83\uc774\ub2e4. \uc2e4\uc5c5\ub960\uc744 \uac00\uc785\uac10\uc18c\ub85c \uc9c1\uc811\uc801\uc73c\ub85c \uc804\ud658\ud558\ub294 \ub2e8\uc21c\ud55c \uc608\uce21\ubc29\ubc95\uc740 \ub9ce\uc740 \uc218\uc758 \uadfc\ub85c\uc790\uac00 \ub9de\ubc8c\uc774 \uac00\uc815\uc5d0 \uc18d\ud55c\ub2e4\ub294 \uad6c\uc870\uc801\uc778 \ud604\uc2e4\uc744 \uac04\uacfc\ud55c\ub2e4. \ub2e4\uc218\uc758 \uc2e4\uc9c1 \uadfc\ub85c\uc790\ub294 \ubd80\uc591\uc790\ub140\uc640 \ud568\uaed8 \ubc30\uc6b0\uc790\uc758 \ubcf4\ud5d8\uc5d0 \ud53c\ubd80\uc591\uc790\ub85c \ub4f1\ub85d(\ub610\ub294 \ub3d9\uac70\uc778 \ubcf4\ud5d8\uc73c\ub85c \uc804\ud658)\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 1\ub3001 \uac00\uc785\uac10\uc18c \uacc4\uc0b0 \ubc29\uc2dd\uacfc \ucc28\uc774\ub97c \ubc1c\uc0dd\uc2dc\ud0a8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c ESI \ubcf4\ud5d8\uc758 \ud3c9\uade0 \ud53c\ubd80\uc591\uc790 \uc218\uac00 \ub0b4\ub144\uc5d0 5%~10% \uc99d\uac00\ud558\uc5ec ESI\ub97c \uc81c\uacf5\ud558\ub294 \uace0\uc6a9\uc8fc\ub4e4\uc758 \uc7ac\uc815\uc801 \uc555\ubc15\uc774 \ub298\uc5b4\ub0a0 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc2e4\uc5c5\ub960\uacfc ESI \uac00\uc785\ub960 \ubcc0\ub3d9\uc774 \ube44\ub840\ud55c\ub2e4\ub294 \uac00\uc815\uc740 \uc2e4\uc5c5\uadfc\ub85c\uc790 \uc0c1\ub2f9\uc218\uac00 \uc560\ucd08\uc5d0 \ud574\ub2f9 \uace0\uc6a9\uc8fc\ub97c \ud1b5\ud55c \ubcf4\ud5d8\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uc911\uc694\ud55c \uc0ac\uc2e4\uc744 \uac04\uacfc\ud55c\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc9c1\uc5c5\uc744 \uc783\uc740 \uc77c\ubd80\ub294 65\uc138 \uc774\uc0c1\uc774\uba70 \uc8fc\uc694 \ubcf4\ud5d8\uc744 \uba54\ub514\ucf00\uc5b4\ub85c \uc804\ud658\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>BCG\uc758 \ubaa8\ub378\uc740 \ub610\ud55c \uba54\ub514\ucf00\uc774\ub4dc\uac00 \uc131\uc7a5\ud560 \uac83\uc774\uc9c0\ub9cc, \uc608\uce21 \ub300\ube44 \uc131\uc7a5 \ud3ed\uc774 \ud6e8\uc52c \uc791\uace0 \uc18d\ub3c4\ub3c4 \ub354 \ub290\ub9b4 \uac83\uc774\ub77c\ub294 \uac83\uc744 \uc2dc\uc0ac\ud55c\ub2e4. \uc131\uc7a5\uc5b5\uc81c \uc694\uc778 \uc911 \ud558\ub098\ub294 \ucd5c\uadfc\uc5d0 \uc2e4\uc9c1\ud55c \uadfc\ub85c\uc790\ub4e4\uc774 \uba54\ub514\ucf00\uc774\ub4dc \uc790\uaca9\uc694\uac74\uc744 \ucda9\uc871\ud560 \ub9cc\ud07c \ub0ae\uc740 \uc18c\ub4dd\uc744 \uc2e4\ud604\ud560 \ub54c\uae4c\uc9c0 \uc2dc\uac04\uc774 \uc18c\uc694\ub418\uc5b4, \uba54\ub514\ucf00\uc774\ub4dc\ub85c\uc758 \uc804\ud658\uc744 \uc57d\ud654\uc2dc\ud0a8\ub2e4\ub294 \uac83\uc774\ub2e4. \ub354 \uc911\uc694\ud55c \uc810\uc740, \uba54\ub514\ucf00\uc774\ub4dc \uac00\uc785\uc694\uac74\uc744 \uc644\ud654\ud558\uc9c0 \uc54a\uc740 \ub2e4\uc218\uc758 \uc8fc\uc5d0\uc11c \ub192\uc740 \uc2e4\uc5c5\ub960\uc774 \ubc1c\uc0dd\ud588\uc73c\uba70 \uac00\uc785\uc790\uaca9\uacfc \uad00\ub828\ud55c \uc81c\uc57d\uc694\uac74\uc73c\ub85c \uc778\ud574 \uac00\uc785 \uc0c1\ud55c\uc120\uc774 \ub0ae\uc544\uc9c0\uac8c \ub41c\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, BCG\uc758 \ud3c9\uac00\uc5d0 \ub530\ub974\uba74 ACA \ubcf4\ud5d8\uc740 \uc99d\uac00\ud558\uaca0\uc9c0\ub9cc \uc99d\uac00 \ud3ed\uc740 \ud06c\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4. \ud604\uc7ac ACA \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud574 \uc788\ub294 \uc77c\ubd80 \uac1c\uc778\ub4e4\uc774 \uc77c\uc790\ub9ac\uc640 \uc18c\ub4dd\uc774 \uc5c6\uc5b4\uc9c0\uba74\uc11c \ud0c8\ud1f4\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uc77c\ubd80 \uadfc\ub85c\uc790\ub294 ESI \ubcf4\ud5d8\uc5d0\uc11c \ud0c8\ud1f4\ud558\ub354\ub77c\ub3c4 ACA \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \ub3d9\uae30\uac00 \ucda9\ubd84\uce58 \uc54a\uc744 \uc218 \uc788\ub2e4. \uc2e4\uc5c5 \uc0c1\ud0dc\uac00 \uc77c\uc2dc\uc801\uc77c \uac83\uc774\ub77c\uace0 \ud310\ub2e8\ud558\ub294 \ub9ce\uc740 \uadfc\ub85c\uc790\ub4e4\uc740 \ubcf4\ud5d8\uac00\uc785\uc73c\ub85c \uc778\ud55c \ud61c\ud0dd\uc774 \uc694\uad6c\ub418\ub294 \ube44\uc6a9\uacfc \uc218\uace0 \ub300\ube44 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4\uace0 \uc0dd\uac01\ud560 \uc218 \uc788\ub2e4. \uce74\uc774\uc800\uac00\uc871\uc7ac\ub2e8(Kaiser Family Foundation)\uc758 2019\ub144 12\uc6d4 \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \ubd80\ubd84\ubcf4\uc870\uae08 \ubcf4\ud5d8\uc0c1\ud488\uc774 \ubcf4\ud5d8\uac70\ub798\uc18c\uc5d0\uc11c \uac00\uc6a9\ud588\uc9c0\ub9cc \ucf54\ub85c\ub09819 \uc774\uc804\uc5d0 10% \uc774\uc0c1\uc758 \ube44 \uace0\ub839\uce35 \ubbf8\uad6d \uc131\uc778\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc740 \uc0c1\ud0dc\uc600\uc73c\uba70, \uc774\ub4e4 \ub300\ubd80\ubd84\uc774 \ubbf8\uac00\uc785 \uc774\uc720\ub85c \ub192\uc740 \ubcf4\ud5d8\ub8cc\ub97c \uaf3d\uc558\ub2e4. \ubcf4\ud5d8 \ubbf8\uac00\uc785\uc790 \ube44\uc728\uc740 \uc99d\uac00\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. \ud2b9\ud788 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc9c4\ub8cc\ub97c \uae30\ud53c\ud558\uac70\ub098 \uc815\ubd80\uac00 \ubcf4\ud5d8\ubbf8\uac00\uc785 \ucf54\ub85c\ub09819 \ud658\uc790\ub97c \uce58\ub8cc\ud558\ub294 \uc758\ub8cc\uae30\uad00\uc5d0 \uae09\uc5ec\ub97c \uc9c0\uae09\ud568\uc73c\ub85c\uc368 \uc2e4\uc9c8\uc801\uc73c\ub85c \uac1c\uc778\ub4e4\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\ub294 \ub3c4\ub355\uc801 \ud574\uc774\ub97c \ucd08\ub798\ud558\ub294 \uc2dc\uae30\uc5d0\ub294 \ub354\uc6b1 \uadf8\ub807\ub2e4(\ub3c4\ud45c 1 \ucc38\uc870). \ubcf8\uace0 \uc791\uc131 \uc2dc\uae30\ub97c \uae30\uc900\uc73c\ub85c \uac00\uc6a9\ud55c \uac00\uc7a5 \ucd5c\uc2e0\uc758 \ucd5c\ucd08\uc2e4\uc5c5\uc218\ub2f9\uccad\uad6c \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74, 3,000\ub9cc \uba85\uc774 \ub118\ub294 \ubbf8\uad6d\uc778\ub4e4\uc774 \uc77c\uc790\ub9ac\ub97c \uc783\uc5c8\ub2e4. \uc774\uac83\uc774 \uad6c\uc870\uc801 \uc2e4\uc5c5\uc774\ub77c\uba74, ESI \uac00\uc785 \uac74\uc218\uac00 2,100\ub9cc \uac74 \uac10\uc18c\ud560 \uac83\uc774\uba70, \uc774\ub294 \ubbf8\uad6d \uc804\uccb4\uc758 ESI \uac00\uc785\ub960\uc774 \uc57d 10%~15% \uac10\uc18c\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1864\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1.jpg\" alt=\"\" width=\"2480\" height=\"1328\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1.jpg 2480w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-300x161.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-1024x548.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-768x411.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-1536x823.jpg 1536w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-2048x1097.jpg 2048w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-696x373.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-1068x572.jpg 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-1920x1028.jpg 1920w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-1-784x420.jpg 784w\" sizes=\"auto, (max-width: 2480px) 100vw, 2480px\" \/><\/a><\/p>\n<h3><strong>\uc815\ubd80\uac1c\uc785\uc774 \uc548\uc815\ud654\ub97c \uac00\uc838\uc62c \uac83\uc778\uac00?<\/strong><\/h3>\n<p>\uc2e4\uc5c5\ub960\uc774 \uae09\uaca9\ud788 \ub300\uaddc\ubaa8\ub85c \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc77c\ubd80 \uc5c5\uacc4 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc740 \uc758\ud68c\uac00 \ubcf4\ud5d8\uac00\uc785\ub960 \ud558\ub77d \uc644\ud654\ub97c \uc704\ud55c \ub300\ub2f4\ud55c \uc870\uce58\ub97c \ucde8\ud560 \uac83\uc744 \ucd09\uad6c\ud588\ub2e4. \ucd5c\uadfc\uc758 \uacf5\uac1c \uc11c\ud55c\uc744 \ud1b5\ud574 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00, \uc758\ub8cc\uae30\uad00 \ubc0f \ub2e4\uc218\uc758 \uc0b0\uc5c5\ud611\ud68c\uac00 \uc815\ubd80\uc5d0 \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790 \ubaa8\ub450\ub97c \uc704\ud55c \ubbfc\uac04\ubcf4\ud5d8 \uad00\ub828 \ube44\uc6a9\uc744 \uad00\ub9ac\ud560 \uac83\uc744 \ucd09\uad6c\ud588\ub2e4. \uc81c\uc548\ub41c \uc774\ub2c8\uc154\ud2f0\ube0c\uc758 \uc608\ub85c\ub294 \uace0\uc6a9\uc8fc\uc758 \uac74\uac15\ubcf4\ud5d8\ube44\uc6a9 \ubcf4\uc870\uae08, \uadfc\ub85c\uc790\uc758 COBRA \ubcf4\ud5d8 \ubcf4\uc870\uae08, \uc5f0\ubc29\ubcf4\uc870\uae08\uc5d0 \ub300\ud55c \uc790\uaca9\uc694\uac74 \uc644\ud654\ub97c \ud1b5\ud55c \uac74\uac15\ubcf4\ud5d8\uc2dc\uc7a5 \ucc38\uc5ec \uc99d\ub300 \uc720\uc778\ucc45 \ub4f1\uc774 \uc788\ub2e4.<\/p>\n<p>\uc774\ub4e4 \uc870\uce58\ub4e4\uc740 \uc608\uc0c1\ub418\ub294 \ub300\uaddc\ubaa8 \uac00\uc785\ub960 \ubcc0\ud654\ub97c \uc644\ud654\ud558\uac70\ub098 \uc9c0\uc5f0\uc2dc\ud0ac \uc218 \uc788\ub2e4. \ud574\ub2f9 \uc870\uce58\ub4e4\uc740 \uc880 \ub354 \ub9e4\ub825\uc801\uc778 \uc694\uc728\uc758 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\ub294 \uc778\uad6c \ube44\uc728\uc744 \ub298\ub9bc\uc73c\ub85c\uc368 \uace0\uc6a9\uc8fc, \uadfc\ub85c\uc790\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc758\ub8cc\uae30\uad00\uc5d0\ub3c4 \uc7ac\uc815\uc801 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \uc880 \ub354 \ud070 \uadf8\ub9bc\uc5d0\uc11c \ubcf4\uba74, \uc774\ub4e4 \uc870\uce58\ub4e4\uc774 ESI \uac00\uc785\ub960 \ud558\ub77d\uc744 \uc644\ud654\ud560 \uc218 \uc788\ub294 \uc815\ub3c4\ub294 \uc5bc\ub9c8\ub098 \ube68\ub9ac \ucde8\uc5c5\ub960\uc774 \ucf54\ub85c\ub09819 \uc774\uc804 \uc218\uc900\uc73c\ub85c \ud68c\ubcf5\ud558\ub290\ub0d0\uc5d0 \ub2ec\ub824\uc788\ub2e4. \ud68c\ubcf5\uc774 \ub354\ub514\uac8c \uc810\uc9c4\uc801\uc73c\ub85c \uc77c\uc5b4\ub09c\ub2e4\uba74, \uc815\ubd80\uc758 \ubd80\uc591\ucc45\uc774 \uc5b8\uc81c\uae4c\uc9c0\ub098 \uc9c0\uc18d\ub420 \uc218\ub294 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \uc815\ubd80 \uc870\uce58\ub294 \uac74\uac15\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \ubcc0\ud654\ub97c \uc644\ud654\ud558\uae30\ubcf4\ub2e4\ub294 \uc9c0\uc5f0\uc2dc\ud0ac \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \uc0ac\uc2e4 \uc774\ub7ec\ud55c \uc870\uce58\ub4e4\uc740 \ud604\uc7ac \uc81c\uacf5 \uc911\uc778 \uc5ec\ud0c0 \uc2e4\uc5c5\uc218\ub2f9\uacfc \ud568\uaed8 \uc758\ub3c4\uce58 \uc54a\uac8c \uc644\uc804\uace0\uc6a9\uae4c\uc9c0\uc758 \ud68c\ubcf5\uc744 \uc9c0\uc5f0\uc2dc\ud0ac \uc218 \uc788\ub2e4. \ud2b9\ud788 \uc815\ubd80 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uc81c\uacf5\ub418\ub294 \uac74\uac15\ubcf4\ud5d8 \uae09\uc5ec\uac00 \uad6c\uc778 \uc911\uc778 \uace0\uc6a9\uc8fc\uac00 \uc81c\uacf5\ud558\ub294 \uae09\uc5ec\ub97c \ub6f0\uc5b4\ub118\ub294 \uacbd\uc6b0, \ub354\uc6b1 \uadf8\ub7ec\ud558\ub2e4.<\/p>\n<h3><strong>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc740 \uc9c0\uae08 \uad6c\uc870\uc870\uc815\uc744 \uc2e4\uc2dc\ud574\uc57c \ud55c\ub2e4<\/strong><\/h3>\n<p>\uc0c1\ub2f9\ud55c \uc758\ub8cc\ube44\uc6a9 \uc808\uac10\uc774 \uc774\ub8e8\uc5b4\uc9c4 \ud574\uc5d0 \ud589\uc815\uc801\uc778 \uc555\ubc15\uc774 \uc99d\ub300\ud560 \uac83\uc774\ub77c\ub294 \uc608\uce21\uc740 \uc9c1\uad00\uc5d0 \uc5b4\uae0b\ub098 \ubcf4\uc77c \uc218 \uc788\ub2e4. \ud558\uc9c0\ub9cc, \uc774\ub294 ESI \uac00\uc785\uc744 \uc548\uc815\ud654\ud558\uae30 \uc704\ud55c \uac15\ub825\ud55c \uc815\ubd80\uac1c\uc785\uc774 \ubd80\uc7ac\ud55c \uacbd\uc6b0 \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc608\uce21\uc774\ub2e4. \ucd1d ESI \uac00\uc785\uc774 \uac10\uc18c\ud558\uace0 \uc758\ub8cc\uc190\uc2e4\ube44\uc728\uc774 \uc81c\ud55c\ub428\uc5d0 \ub530\ub77c, \ub300\ubd80\ubd84\uc758 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc6b4\uc2e0\uc758 \ud3ed(\ub9e4\ub2c8\uc9c0\ub4dc \uba54\ub514\ucf00\uc774\ub4dc, ACA \uac1c\uc778\ubcf4\ud5d8 \ub4f1)\uc774 \ub354 \uc801\uc740 \uc5c5\uc885\uc5d0\uc11c \uace0\uc815\ube44\ub97c \ub354 \uc801\uc740 \uc218\uc758 \ud53c\ubcf4\ud5d8\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ubd84\uc0b0\uc2dc\ucf1c\uc57c \ud560 \uac83\uc774\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \uc5ed\uc124\uc801\uc774\uac8c\ub3c4 \ube44\uc6a9\uc808\uac10 \uc870\uce58\ub97c \uc2e0\uc18d\ud558\uac8c \ucde8\ud558\uc9c0 \ubabb\ud55c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc758 \uacbd\uc6b0 \uc801\uc790\ub97c \uae30\ub85d\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>BCG\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74 \ucf54\ub85c\ub09819 \uc774\uc804 \uc218\uc900 \ub300\ube44 10%~20% \ud3ec\uc778\ud2b8\uc758 \uc2e4\uc5c5\ub960 \uc99d\uac00\ub97c \uac00\uc815\ud588\uc744 \ub54c, \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ucd5c\ub300 10%~25%\uc758 \uc601\uc5c5\uc774\uc775\ub960 \ud558\ub77d\uc744 \uacac\ub38c\uc57c \ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>SO(Administrative-service-only) \ube44\uc728\uc774 \ub192\uc740 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc774 \uc774\ub7ec\ud55c \uc5ec\ud30c\uc5d0 \ub354 \ucde8\uc57d\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \uc720\uc758\ubbf8\ud55c \uc218\uc900\uc758 \uace0\uc815\ube44 \uc808\uac10 \uc5c6\uc774\ub294 ASO\uac00 \uc77c\ubc18\uc801\uc778 \ubcf4\ud5d8(Fully insured)\uc758 \ub192\uc740 10%~20% \uac10\uc18c\uc728\uacfc \ub300\ube44\ud574\ub3c4 \ub354 \ud070 \ud3ed\uc758 30%~60% \ud558\ub77d\uc744 \uacbd\ud5d8\ud560 \uc218 \uc788\ub2e4. \ub610\ud55c \uc9c0\uc5ed \ub2e8\uc704 \ubcf4\ud5d8\uc774 \uc804\uad6d\uc801, \ub610\ub294 \ub300\uaddc\ubaa8 \ud53c\ubcf4\ud5d8\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \ubcf4\ud5d8\ubcf4\ub2e4 \ubb3c\ub7c9 \uac10\uc18c\uac00 \ub354 \ud074 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4(\ub3c4\ud45c 2 \ucc38\uc870).<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1865\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2.jpg\" alt=\"\" width=\"2480\" height=\"1476\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2.jpg 2480w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-300x179.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-1024x609.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-768x457.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-1536x914.jpg 1536w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-2048x1219.jpg 2048w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-696x414.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-1068x636.jpg 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-1920x1143.jpg 1920w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/05\/the-covid-19-conundrum-for-health-care-payers-2-706x420.jpg 706w\" sizes=\"auto, (max-width: 2480px) 100vw, 2480px\" \/><\/a><\/p>\n<h3><strong>\uacf5\uacf5 \ub2f4\ub860\uc758 \uc2dc\uae09\uc131<\/strong><\/h3>\n<p>\uc55e\uc11c \uc5b8\uae09\ud55c \uc694\uc778\ub4e4\ub85c \uc778\ud574 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ub300\uc911\uc758 \uc778\uc2dd \uce21\uba74\uc5d0\uc11c \uc9c4\ud1f4\uc591\ub09c\uc5d0 \ube60\uc9c0\uac8c \ub420 \uac83\uc774\ub2e4. \ud55c\ud3b8\uc73c\ub85c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ub2e4\uac00\uc624\ub294 \uc7ac\uc815\uc801 \ub09c\uad00\uc744 \uc778\uc2dd\ud558\uace0, \uc758\ub8cc\ubcf4\uac74 \uc11c\ube44\uc2a4\uc758 \uc801\uc808\ud55c \ube44\uc6a9\uacfc \uc811\uadfc\uc131\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \ube60\ub978 \ube44\uc6a9\uc808\uac10\uacfc \uc5ed\ub7c9\uc7ac\uc815\ube44 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4. \ub610 \ub2e4\ub978 \ud55c\ud3b8\uc73c\ub85c\ub294, \ubcd1\uc6d0\ub4e4\uc774 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \ub2e4\uc218\uac00 \uc77c\uc790\ub9ac\ub97c \uc783\uc740 \uc0c1\ud669\uc5d0\uc11c \ub300\uc911\uc774 \uc5c5\uacc4\uc758 \uae30\ub85d\uc801\uc778 \ubd84\uae30 \uc774\uc775\uc744 \uadf8\ub0e5 \uc9c0\ub098\uce58\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\ub2e4. \ud604\uc7ac\uc758 \uc774\uc775\uc774 \uc77c\uc2dc\uc801\uc774\uace0 \ubb38\uc11c \uc0c1\uc758 \uc758\ubbf8\ub9cc \uc788\ub2e4\uace0 \ud574\ub3c4, \ubcf4\ud5d8\uaddc\uc81c\uc758 \ubcf5\uc7a1\uc131\uc744 \ucda9\ubd84\ud788 \uc778\uc2dd\ud558\uc9c0 \ubabb\ud558\ub294 \ub300\uc911\uc740 \ud604\uc7ac \uc0c1\ud669\uc744 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc774 \uc0ac\ub78c\ubcf4\ub2e4 \uc774\uc775\uc744 \uc6b0\uc120\uc2dc\ud558\ub294 \uc99d\uac70\ub85c \ud574\uc11d\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \ubcf4\uc218\uc801\uc778 \uc870\uc9c1\uc774\uba70, \ub300\ub2e4\uc218\uac00 \uad00\ub9dd\ud558\ub294 \ud0dc\ub3c4\ub97c \ucde8\ud574 \uc654\ub2e4. \ub530\ub77c\uc11c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc774 \uc801\uadf9\uc801\uc73c\ub85c \ub098\uc11c\uc11c \ud658\uae09\uae08\uc561\uc774 \ubc1c\uc0dd\ud558\ub294 \uacbd\uc6b0 \uc5b4\ub5bb\uac8c \ud560 \uac83\uc778\uc9c0 \ub300\ud654\ub97c \uc8fc\ub3c4\ud558\ub294 \ubaa8\uc2b5\uc744 \ubcf4\uc774\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4. \uae08\uc735 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc774\ubbf8 \ucde8\ud55c \uc870\uce58\ucc98\ub7fc \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\ub3c4 \uc77c\ubd80 \ubcf4\ud5d8\ub8cc\ub97c \uc790\ubc1c\uc801\uc73c\ub85c \uace0\uc6a9\uc8fc\uc5d0\uac8c \ub3cc\ub824\uc8fc\uac70\ub098 \ub354 \ub098\uc544\uac00 \ud604\uc7ac \ud070 \uc5b4\ub824\uc6c0\uc5d0 \ucc98\ud55c \uc758\ub8cc\uccb4\uacc4\ub97c \uc9c0\uc6d0\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc774 \uc9c0\uc5ed\uc0ac\ud68c \ub0b4\uc758 \uc758\ub8cc\ubcf4\uac74 \ube44\uc6a9\uc5d0 \ub300\ud574 \uae4a\uc774 \uc774\ud574\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud560 \ub54c, \uc774\ub4e4\uc774 \ud658\uae09\uae08\uc561\uc774 \uc5b4\ub514\uc5d0 \uc4f0\uc5ec\uc57c \ud558\ub294\uc9c0\uc5d0 \ub300\ud55c \ub300\ud654\ub97c \uc2dc\uc791\ud558\uace0 \uc774\ub04c\uc5b4\ub098\uac00\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\ub2e4.<\/p>\n<h3><strong>\ub2e4\uc74c \ub2e8\uacc4<\/strong><\/h3>\n<p>\uc774\ub7ec\ud55c \uc0c8\ub85c\uc6b4 \uc555\ubc15\uc744 \uac10\uc548\ud560 \ub54c, \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc9c0\uae08 \ubc14\ub85c \uc774\ud558\uc758 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4.<\/p>\n<ul>\n<li>\uc2dc\uc7a5 \uc804\uccb4 \uc218\uc900\uacfc \uc5c5\uc885 \uc218\uc900\uc5d0\uc11c \uc2dc\uc7a5\ubcc0\ud654\uc758 \uc601\ud5a5\uc744 \uc774\ud574\ud558\uae30 \uc704\ud558\uc5ec \uc0c1\uc138\ud55c \uac00\uc785\uc790 \uc2dc\ubbac\ub808\uc774\uc158 \ubc0f \uacbd\uc81c\uc131 \uc2dc\ubbac\ub808\uc774\uc158\uc744 \uc2e4\ud589\ud558\ub77c. \uc0ac\uc5c5 \uad6c\uc131, ASO \ubcf4\ud5d8 \ube44\uc728, \uc9c0\uc5ed\uc5d0 \ub530\ub77c \uac01 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc5d0 \ubbf8\uce58\ub294 \uc2dc\uc7a5\ubcc0\ud654\uc758 \uc601\ud5a5\uc740 \uc0c1\uc774\ud560 \uac83\uc774\ub2e4. \uc694\uad6c\ub418\ub294 \uc758\uc0ac\uacb0\uc815\uc5d0 \ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc5bb\uc73c\ub824\uba74 \uc804\ubc18\uc801\uc778 \uc774\ud574\ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4.<\/li>\n<li>\uae30\ucd08\ube44\uc6a9 \uc808\uac10\uc744 \uc704\ud574 \uc900\ube44\ud558\ub77c. \uac00\uc785\uc790 \uac10\uc18c\uc5d0 \uc801\uc751\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc2dc\uac04\uc774 \uac78\ub9b4 \uac83\uc774\uba70, \uad00\ub9dd\ub9cc \ud558\ub294 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ud5a5\ud6c4 \uc790\uc2e0\ub4e4\uc744 \ubcf4\ud638\ud560 \uc218 \uc788\uc744 \ub9cc\ud07c \ucda9\ubd84\ud788 \uc2e0\uc18d\ud558\uac8c \ubcc0\ud654\ud560 \uc218 \uc5c6\ub2e4\ub294 \uac83\uc744 \uae68\ub2eb\uac8c \ub420 \uac83\uc774\ub2e4. \uacbd\uae30\uce68\uccb4\uac00 \ud604\uc2e4\ud654\ub420 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc785\uc9c0\ub97c \uac15\ud654\ud558\uc5ec \ud604\uae08\uc744 \uc720\uc9c0\ud558\uace0 \ub300\ucc28\ub300\uc870\ud45c\ub97c \uac74\uc804\ud558\uac8c \uc720\uc9c0\ud558\uae30 \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud558\ub294 \uac83\uc774 \uc911\uc694\ud574 \uc9c4\ub2e4.<\/li>\n<li>\uc758\ub8cc \uad00\ub9ac \ubc0f \uc6d0\uaca9\uc758\ub8cc \uc5ed\ub7c9\uc744 \uc99d\ub300\ud558\ub77c. \ucf54\ub85c\ub09819\ub294 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc5d0 \uc77c\uc0dd\uc77c\ub300\uc758 \uae30\ud68c\ub97c \uc81c\uacf5\ud55c\ub2e4. \ud5a5\ud6c4 6\uac1c\uc6d4 \ub3d9\uc548 \uc790\uc720\ub86d\uac8c \ubd88\ub9cc\uc871\uc2a4\ub7ec\uc6b4 \ud504\ub85c\uadf8\ub7a8\uc744 \uc885\ub8cc\ud558\uace0 \uc2e0\uaddc \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ucd95\ud558\uba70 \uc0c8\ub85c\uc6b4 \uc5ed\ub7c9\uc744 \uc2e4\ud5d8\ud574 \ubcfc \uae30\ud68c\uac00 \uc81c\uacf5\ub418\ub294 \uac83\uc774\ub2e4. \uc9c0\uae08\uc774\uc57c \ub9d0\ub85c \uc804\ud654\uc758\ub8cc\uad00\ub9ac \ubc0f \uc9c8\ubcd1\uad00\ub9ac \ub4f1\uc758 \uc624\ub798\ub418\uace0 \ube44\ud6a8\uc728\uc801\uc778 \ud504\ub85c\uadf8\ub7a8\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc2e0\uc18d\ud558\uac8c \ucc28\uc138\ub300 \uae30\uc220\uacfc \uc5ed\ub7c9\uc744 \ub3c4\uc785\ud558\uae30 \uc644\ubcbd\ud55c \uc2dc\uc810\uc774\ub2e4.<\/li>\n<li>\ud658\uae09\uacfc \uc7ac\uc815\ud751\uc790\uc5d0 \ub300\ud55c \ub300\ud654\ub97c \ucd94\uc9c4\ud558\ub77c. \uc0ac\uc6a9\ub418\uc9c0 \uc54a\uc740 \uc758\ub8cc\ube44\ub97c \uc801\uadf9\uc801\uc73c\ub85c \uace0\uc6a9\uc8fc, \uac00\uc785\uc790, \ub610\ub294 \uc2ec\uc9c0\uc5b4 \uc758\ub8cc\uae30\uad00\uc5d0 \ub3cc\uc544\uac00\ub3c4\ub85d \ub178\ub825\ud558\uc9c0 \uc54a\uc740 \uac83\uc73c\ub85c \ube44\ucd94\uc5b4\uc9c0\ub294 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \ub300\uc911\uc758 \ubc18\ubc1c\uc744 \uc77c\uc73c\ud0ac \uc704\ud5d8\uc774 \ub192\ub2e4.<\/li>\n<li>\uc7a5\uae30\uc801\uc778 \uac00\uce58\ub97c \ub0b4\ub2e4\ubcf4\uace0 \uc758\ub8cc\uae30\uad00\uacfc\uc758 \uc57d\uc815\uc744 \uc7ac\ud611\uc0c1\ud558\ub77c. \ub9ce\uc740 \uc758\ub8cc\uae30\uad00\ub4e4\uc774 \ub2e8\uae30\uc801\uc73c\ub85c \ud604\uae08\uc744 \ud544\uc694\ub85c \ud558\uae30 \ub54c\ubb38\uc5d0 \ubb3c\ub7c9 \uae30\ubc18 \uc758\ub8cc\uc11c\ube44\uc2a4\ub97c \uc790\uc81c\ud558\uace0 \ubbf8\ub798\ub97c \uc704\ud55c \uc720\uc778\ucc45\uc744 \uc7ac\uc815\ube44\ud560 \uc218 \uc788\ub294 \uacc4\uc57d\uc744 \uccb4\uacb0\ud558\uae30 \uc88b\uc740 \uc2dc\uae30\uc774\ub2e4.<\/li>\n<li>\uc801\uadf9\uc801\uc73c\ub85c \uc778\uc218\ud558\uace0 \ud1b5\ud569\ud558\ub77c. \ud604\uc7ac \uac15\ub825\ud55c \uc785\uc9c0\ub97c \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4, \ud2b9\ud788 \ub300\uaddc\ubaa8 \uc9c0\uc5ed \uc758\ub8cc\uae09\uc5ec\uae30\uad00, \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00-\uc758\ub8cc\uae30\uad00 \ud1b5\ud569\uae30\uad00 \ubc0f \uc804\uad6d\uc801 \uaddc\ubaa8\uc758 \uc758\ub8cc\uae09\uc5ec\uae30\uad00\uc5d0\uac8c\ub294, \uc758\ub8cc\uae30\uad00\ub4e4\uc774 \uc7ac\uc815\uc801 \uc9c0\uc6d0\uc744 \uc808\uc2e4\ud788 \ud544\uc694\ub85c \ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc758\ub8cc\uc11c\ube44\uc2a4 \uc804\ub2ec\uccb4\uacc4 \uc790\uc0b0\uc744 \ud655\ubcf4\ud558\uae30 \ub354 \uc5c6\uc774 \uc88b\uc740 \uc2dc\uae30\uc774\ub2e4.<\/li>\n<\/ul>\n<p>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc774 \uc62c\ud574 \uc21c\ud48d\uc744 \uacbd\ud5d8\ud558\uba74\uc11c \uc0c1\uae30 \ud544\uc694 \uc870\uce58\ub4e4\uc744 \ucde8\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub2e4\ub294 \uc720\ud639\uc744 \ub290\ub084 \uc218 \uc788\ub2e4. \ud558\uc9c0\ub9cc \uac00\uc785 \uac10\uc18c \ubc0f \uace0\uc6a9\uc8fc\uc640 \uc815\ubd80 \ud504\ub85c\uadf8\ub7a8\uc5d0 \uc758\ud55c \ube44\uc6a9 \uc555\ubc15\uc758 \uacb0\uacfc\ub85c \ubc14\ub78c\uc758 \ubc29\ud5a5\uc774 \ube60\ub974\uac8c \ubcc0\ud560 \uc218\ub3c4 \uc788\ub2e4\ub294 \uac83\uc744 \uac10\uc548\ud558\uba74 \uad00\uc131\uc5d0 \ube60\uc9c0\uc9c0 \uc54a\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \uc870\uae30\uc5d0 \uc801\uadf9\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud558\ub294 \uae30\uc5c5\ub4e4\uc740 \ucf54\ub85c\ub09819 \uc774\ud6c4 \uc131\uacf5\uc744 \uc704\ud55c \ud6e8\uc52c \ub098\uc740 \uc785\uc9c0\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.bcg.com\/publications\/2020\/covid-necessary-actions-for-health-care-payers.aspx\" target=\"_blank\" rel=\"noopener\">\uc6d0\ubb38(\uc601\uc5b4) \ubcf4\ub7ec\uac00\uae30<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \ub09c\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \ubbf8\uad6d\uacbd\uc81c\uc758 \uac70\uc758 \ubaa8\ub4e0 \ubd80\ubb38\uc774 \ucf54\ub85c\ub09819\ub85c \uc778\ud55c \ub9c9\ub300\ud55c \uc555\ubc15\uc744 \ubc1b\uace0 \uc788\uc9c0\ub9cc \uc758\ub8cc\uc2dc\uc220 \uc218\uc694\uac00 \uae09\uac10\ud568\uc5d0 \ub530\ub77c \uc2e4\uc81c\ub85c \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\ub4e4\uc740 \uc704\uae30 \uc2dc\uc791 \uc804\ubcf4\ub2e4 \uc7ac\uc815\uc801 \uc0c1\ud0dc\uac00 \uac1c\uc120\ub418\uc5c8\ub2e4. \ud55c\ud3b8, 2021\ub144\uacfc \uadf8 \uc774\ud6c4\ub294 \uc5ec\ub7ec \uc704\ud611\uc694\uc18c\uac00 \uc804\ub9dd\ub418\uc5b4, \ud5a5\ud6c4 12~18\uac1c\uc6d4\uc740 \uc758\ub8cc\uae09\uc5ec\uc9c0\uae09\uae30\uad00\uc758 \uc7ac\uc815\uc5d0 \uc911\ub300\ud55c \uad6c\uc870\uc801 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 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