{"id":8147,"date":"2026-02-08T03:03:35","date_gmt":"2026-02-07T18:03:35","guid":{"rendered":"https:\/\/readtrends.com\/ko\/retiree-health-insurance-overuse-deficit\/"},"modified":"2026-02-08T03:03:35","modified_gmt":"2026-02-07T18:03:35","slug":"retiree-health-insurance-overuse-deficit","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/retiree-health-insurance-overuse-deficit\/","title":{"rendered":"\ud1f4\uc9c1\uc790 \uc7ac\uc0b0\uc5d0\ub3c4 &#8216;\uac74\ubcf4\ub8cc&#8217; \ub9e4\uae30\ub294\ub370\u2026 \uc77c\ubd80 \uc758\uc0ac\uc758 \uacfc\uc789 \uc9c4\ub8cc\uc5d0 \uac74\ubcf4 \uc7ac\uc815\uc740 \uc801\uc790 \uc704\uae30, \ubb34\uc2a8 \uc77c?"},"content":{"rendered":"<article>\n<h2>\ud575\uc2ec \uc694\uc57d<\/h2>\n<p>\uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc815\uae30\uc11d \uc774\uc0ac\uc7a5\uc774 1\uc6d4 5\uc77c \uacfc\uc789 \uc9c4\ub8cc \ud655\ub300\uac00 \uacc4\uc18d\ub418\uba74 \uac74\uac15\ubcf4\ud5d8 \uc7ac\uc815\uc774 \uc870\ub9cc\uac04 \uace0\uac08\ub420 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4. \uc77c\ubd80 \uc758\ub8cc\uae30\uad00\uc5d0\uc11c \ubd88\ud544\uc694\ud55c \uac80\uc0ac\u00b7\uc9c4\ub8cc\uac00 \ub298\uba74\uc11c \uae09\uc5ec\ube44 \uc9c0\ucd9c\uc774 \uac00\ud30c\ub974\uac8c \uc99d\uac00\ud558\ub294 \uac83\uc774 \uc8fc\ub41c \uc6d0\uc778\uc73c\ub85c \uc9c0\ubaa9\ub41c\ub2e4. \ud55c\ud3b8 \uc740\ud1f4\uc790\ub4e4\uc740 \uc7ac\uc0b0\uc744 \uae30\uc900\uc73c\ub85c \ub9e4\uaca8\uc9c0\ub294 \uc9c0\uc5ed\uac00\uc785\uc790 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc5d0 \ud070 \ubd88\ub9cc\uc744 \ud45c\ud558\uace0 \uc788\ub2e4. \uac74\ubcf4\uacf5\ub2e8\uc740 \uc0ac\ubb34\uc7a5\ubcd1\uc6d0 \uc0c9\ucd9c\uacfc \ud2b9\uc0ac\uacbd \ub3c4\uc785 \ub4f1\uc744 \ud1b5\ud574 \ub204\uc218\ub97c \ub9c9\uaca0\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc0ac\uc2e4<\/h2>\n<ul>\n<li>\uc815\uae30\uc11d \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc774\uc0ac\uc7a5\uc740 1\uc6d4 5\uc77c \uc2e0\ub144 \uac04\ub2f4\ud68c\uc5d0\uc11c \uc758\ub8cc \ud589\uc704\ub7c9 \uc99d\uac00\ub97c \uac74\ubcf4 \uc9c0\ucd9c \uae09\uc99d\uc758 \uc8fc\uc694 \uc6d0\uc778\uc73c\ub85c \uc81c\uc2dc\ud588\ub2e4.<\/li>\n<li>\uacf5\ub2e8\uc774 \uc9c0\uc801\ud55c \uc0ac\ub840 \uc911\uc5d0\ub294 \ub3c5\uac10 \uc591\uc131 \ud658\uc790\uc5d0\uac8c \uc131\ubcd1 \uac80\uc0ac \ub4f1 \uc57d 30\uac00\uc9c0 \uac80\uc0ac\ub97c \uc2dc\ud589\ud55c \uacbd\uc6b0\uac00 \ud3ec\ud568\ub410\ub2e4.<\/li>\n<li>\uacfc\uc789 \uc9c4\ub8cc \uc5b5\uc81c\ub9cc\uc73c\ub85c\ub3c4 \uc5f0\uac04 \uac74\ubcf4\ub8cc \uc99d\uac00\uc728\uc758 0.5~1.1%\ud3ec\uc778\ud2b8 \uc0c1\ub2f9\uc744 \uc904\uc77c \uc218 \uc788\ub2e4\ub294 \uc804\ub9dd\uc774 \uc81c\uc2dc\ub410\ub2e4.<\/li>\n<li>\uc9c1\uc7a5\uac00\uc785\uc790\ub294 \ud68c\uc0ac\uac00 \ubcf4\ud5d8\ub8cc \uc808\ubc18\uc744 \ubd80\ub2f4\ud558\uc9c0\ub9cc, \uc9c0\uc5ed\uac00\uc785\uc790\uac00 \ub418\uba74 \ubcf4\ud5d8\ub8cc \uc804\uc561\uc744 \ubcf8\uc778\uc774 \ubd80\ub2f4\ud574\uc57c \ud574 \ud1f4\uc9c1\uc790\uc758 \ubd80\ub2f4\uc774 \ud06c\uac8c \ub298\uc5b4\ub09c\ub2e4.<\/li>\n<li>\uac74\uac15\ubcf4\ud5d8 \uacf5\ub2e8\uc740 \ubd88\ubc95 \uac1c\uc124 \uc758\ub8cc\uae30\uad00\uc778 \u2018\uc0ac\ubb34\uc7a5\ubcd1\uc6d0\u2019\uc774 \uac74\ubcf4 \uc7ac\uc815\uc744 \uac09\uc544\uba39\ub294\ub2e4\uace0 \ubcf4\uace0 \ud2b9\uc0ac\uacbd \ub3c4\uc785\uc744 \ucd94\uc9c4 \uc911\uc774\ub2e4.<\/li>\n<li>\uc740\ud1f4\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c\ub294 \uc7ac\uc0b0(\uc8fc\ud0dd\u00b7\uae08\uc735\uc790\uc0b0)\uc5d0 \ubcf4\ud5d8\ub8cc\ub97c \ub9e4\uae30\ub294 \ubc29\uc2dd\uc774 \uacfc\ub3c4\ud558\ub2e4\ub294 \ubd88\ub9cc\uc774 \uc9c0\uc18d\ub418\uace0 \uc788\ub2e4.<\/li>\n<\/ul>\n<h2>\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p>\ud55c\uad6d\uc758 \uac74\uac15\ubcf4\ud5d8\uc81c\ub3c4\ub294 \uac00\uc785\uc790\ub4e4\uc758 \uc0c1\ud638\ubd80\ub2f4\uacfc \ub2e8\uc77c\ubcf4\ud5d8\uc790 \uccb4\uacc4\ub97c \uae30\ubc18\uc73c\ub85c \uc6b4\uc601\ub41c\ub2e4. \uc9c1\uc7a5\uac00\uc785\uc790\uc640 \uc9c0\uc5ed\uac00\uc785\uc790\ub85c \uad6c\ubd84\ub418\uba70, \uc9c1\uc7a5\uac00\uc785\uc790\ub294 \uc0ac\uc5c5\uc8fc\uac00 \uc77c\ubd80\ub97c \ubd80\ub2f4\ud558\ub294 \uad6c\uc870\uc778 \ubc18\uba74 \uc9c0\uc5ed\uac00\uc785\uc790\ub294 \uc18c\ub4dd\u00b7\uc7ac\uc0b0 \ub4f1\uc744 \uae30\uc900\uc73c\ub85c \ubcf4\ud5d8\ub8cc\ub97c \uc0b0\uc815\ud574 \uc804\uc561 \ubcf8\uc778\uc774 \ubd80\ub2f4\ud55c\ub2e4. \ud2b9\ud788 \uc790\uc601\uc5c5\uc790\u00b7\uc740\ud1f4\uc790\uc758 \uc18c\ub4dd \ud30c\uc545\uc774 \uc5b4\ub824\uc6e0\ub358 \uacfc\uac70 \uc81c\ub3c4\uc801 \ud55c\uacc4 \ub54c\ubb38\uc5d0 \uc7ac\uc0b0\uc744 \uae30\uc900\uc73c\ub85c \ubcf4\ud5d8\ub8cc\ub97c \ub9e4\uae30\ub294 \ubc29\uc2dd\uc774 \ub3c4\uc785\ub418\uc5b4 \uc624\ub298\uae4c\uc9c0 \uc774\uc5b4\uc838 \uc654\ub2e4.<\/p>\n<p>\ub3d9\uc2dc\uc5d0 \uc758\ub8cc \uc774\uc6a9 \ud589\ud0dc\uc758 \ubcc0\ud654\uc640 \uc9c4\ub2e8\u00b7\uac80\uc0ac \ud56d\ubaa9\uc758 \ud655\ub300\ub294 \uc804\uccb4 \uae09\uc5ec\ube44 \uc99d\uac00\ub85c \uc5f0\uacb0\ub410\ub2e4. \uc778\uad6c \uad6c\uc870 \ubcc0\ud654\uc640 \ub9cc\uc131\uc9c8\ud658 \uc99d\uac00 \uc678\uc5d0 \ub2e8\uc704 \ud658\uc790\ub2f9 \uc801\uc6a9\ub418\ub294 \uac80\uc0ac\u00b7\ucc98\uce58 \uc218\uac00 \ub298\uc5b4\ub098\uba74\uc11c \uc9c0\ucd9c \uc99d\uac00 \uc18d\ub3c4\uac00 \ube68\ub77c\uc84c\ub2e4. \uac74\ubcf4 \uc7ac\uc815\uc758 \uc548\uc815\uc131\uc744 \uc6b0\ub824\ud558\ub294 \ubaa9\uc18c\ub9ac\uac00 \ucee4\uc9c0\uc790 \uacf5\ub2e8\uc740 \uc9c4\ub8cc \ud589\uc704\ub7c9\uc758 \uc801\uc815\uc131 \ubb38\uc81c\ub97c \uacf5\uac1c\uc801\uc73c\ub85c \uc81c\uae30\ud558\uace0 \uaddc\uc81c \uc218\ub2e8 \uac15\ud654 \ud544\uc694\uc131\uc744 \uac15\uc870\ud558\uace0 \uc788\ub2e4.<\/p>\n<h2>\uc8fc\uc694 \uc0ac\uac74<\/h2>\n<p>1\uc6d4 5\uc77c \uc5f4\ub9b0 \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc2e0\ub144 \uac04\ub2f4\ud68c\uc5d0\uc11c \uc815\uae30\uc11d \uc774\uc0ac\uc7a5\uc740 \ucd5c\uadfc \uae09\uc5ec\ube44 \uc99d\uac00\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc774 \uc758\ub8cc \ud589\uc704\ub7c9 \uc99d\uac00\uc5d0\uc11c \ube44\ub86f\ub410\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uadf8\ub294 \uad6c\uccb4\uc801 \uc0ac\ub840\ub85c \ub3c5\uac10 \uc591\uc131 \ud310\uc815\uc744 \ubc1b\uc740 \ud658\uc790\uc5d0\uac8c \ud45c\uc900 \ubc94\uc704\ub97c \ubc97\uc5b4\ub09c \ub2e4\uc218\uc758 \uac80\uc0ac\ub97c \uc2dc\ud589\ud55c \uacbd\uc6b0\ub97c \uc5b8\uae09\ud558\uba70, \uc758\ub8cc\uc801 \ud544\uc694\uc131\uc774 \uc758\uc2ec\ub418\ub294 \ud589\uc704\uc5d0 \ub300\ud574 \uacc4\ub3c4\uc640 \uc81c\uc7ac\uac00 \ud544\uc694\ud558\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uacf5\ub2e8\uc740 \ub610\ud55c \uc0ac\ubb34\uc7a5\ubcd1\uc6d0 \ub4f1 \ubd88\ubc95 \uac1c\uc124 \uae30\uad00\uc744 \ud1b5\ud574 \uac74\ubcf4 \uc7ac\uc815\uc774 \uc0c8\uc5b4\ub098\uac00\ub294 \ubb38\uc81c\ub97c \uc9c0\uc801\ud588\ub2e4. \uc0ac\ubb34\uc7a5\ubcd1\uc6d0\uc740 \uc758\uc0ac \uba85\uc758\ub97c \ube4c\ub824 \uc774\uc724 \ubaa9\uc801\uc758 \uc758\ub8cc \uc601\uc5c5\uc744 \ud558\ub294 \ud615\ud0dc\ub85c, \uc218\uc0ac\uac00 \uac1c\uc2dc\ub418\uba74 \uc774\ubbf8 \uc313\uc778 \uc218\uc775\uc744 \ube60\ub974\uac8c \ud68c\uc218\ud558\uae30 \uc5b4\ub824\uc6b4 \uad6c\uc870\ub77c\uace0 \uacf5\ub2e8\uc740 \uc124\uba85\ud588\ub2e4. \uc774\uc5d0 \ub530\ub77c \uacf5\ub2e8\uc740 \uc218\uc0ac \uad8c\ud55c\uc744 \uac15\ud654\ud560 \uc218 \uc788\ub294 \ud2b9\uc0ac\uacbd \ub3c4\uc785\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc694\uad6c\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ud604\uc7a5\uc5d0\uc11c\ub294 \uc740\ud1f4\uc790\ub4e4\uc758 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc774 \uc2ec\uac01\ud55c \uc0ac\ud68c\uc801 \ubb38\uc81c\ub85c \ub300\ub450\ub418\uace0 \uc788\ub2e4. \uc9c1\uc7a5\uc744 \ub5a0\ub09c \ub4a4 \uc9c0\uc5ed\uac00\uc785\uc790\ub85c \uc804\ud658\ub418\uba74 \uc18c\ub4dd\uc774 \uac70\uc758 \uc5c6\uc5b4\ub3c4 \ubcf4\uc720\ud55c \uc8fc\ud0dd\u00b7\uae08\uc735\uc790\uc0b0\uc5d0 \uadfc\uac70\ud574 \ubd80\uacfc\ub418\ub294 \ubcf4\ud5d8\ub8cc\uac00 \ud06c\uac8c \ub298\uc5b4\ub09c\ub2e4. \ubcd1\uc6d0\uc744 \uac70\uc758 \uc774\uc6a9\ud558\uc9c0 \uc54a\ub294 \uace0\ub839 \uc740\ud1f4\uc790\ub4e4\uc740 \u2018\ub0b4\uac00 \uac70\uc758 \ubcd1\uc6d0\uc5d0 \uac00\uc9c0 \uc54a\ub294\ub370\ub3c4 \ub192\uc740 \ubcf4\ud5d8\ub8cc\ub97c \ub0b4\uc57c \ud55c\ub2e4\u2019\uba70 \ubd88\ub9cc\uc744 \uc81c\uae30\ud558\uace0 \uc788\ub2e4.<\/p>\n<h2>\ubd84\uc11d \ubc0f \uc758\ubbf8<\/h2>\n<p>\uccab\uc9f8, \uc758\ub8cc \ud589\uc704\ub7c9 \uc99d\uac00\uac00 \uc2e4\uc81c\ub85c \ube44\uc6a9 \uc0c1\uc2b9\uc758 \uc8fc\uc694 \uc694\uc778\uc774\ub77c\uba74 \uacf5\uae09 \uce21 \uaddc\uc728\uacfc \ubcf4\uc0c1 \uccb4\uacc4 \uc7ac\uc124\uacc4\uac00 \ubcd1\ud589\ub418\uc5b4\uc57c \ud55c\ub2e4. \ud604\uc7ac\uc758 \uc218\uac00 \uccb4\uacc4\uac00 \ud589\uc704 \uc911\uc2ec(pay-for-service)\uc5d0 \ud3b8\uc911\ub418\uc5b4 \uc788\uc73c\uba74 \uc81c\uacf5\uc790\ub4e4\uc774 \uac80\uc0ac\u00b7\ucc98\uce58\ub97c \ucd94\uac00\ud560 \uc720\uc778\uc774 \uc0dd\uae34\ub2e4. \ub530\ub77c\uc11c \uc9c4\ub8cc\ud589\uc704\uc758 \ud544\uc694\uc131\uc744 \ud3c9\uac00\ud558\ub294 \uc784\uc0c1\uc9c0\uce68\uacfc \uc2ec\uc0ac\u00b7\uc9c0\uae09\ubc29\uc2dd\uc758 \uac1c\ud3b8\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uc0ac\ubb34\uc7a5\ubcd1\uc6d0 \ub4f1 \ubd88\ubc95 \uae30\uad00\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ub204\uc218\ub294 \ub2e8\uae30\uac04\uc5d0 \ub300\uaddc\ubaa8 \uc7ac\uc815 \uc190\uc2e4\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4. \ud2b9\uc0ac\uacbd \ub3c4\uc785\uc740 \uac74\ubcf4\uacf5\ub2e8\uc774 \ubcf4\ub2e4 \uc2e0\uc18d\ud558\uac8c \uc758\uc2ec \uc0ac\ub840\ub97c \uc0c9\ucd9c\ud558\uace0 \uacc4\uc88c \ucd94\uc801 \ub4f1\uc73c\ub85c \uc790\uae08 \ud68c\uc218\ub97c \uc2dc\ub3c4\ud560 \uc218 \uc788\uac8c \ud574 \ub204\uc218 \ucc28\ub2e8 \ud6a8\uacfc\uac00 \uae30\ub300\ub41c\ub2e4. \ub2e4\ub9cc \ubc95\uc801\u00b7\uc808\ucc28\uc801 \uc815\ube44\uac00 \ubcd1\ud589\ub418\uc5b4\uc57c \uacfc\ub3c4\ud55c \ud589\uc815\u00b7\uc0ac\ubc95\uad8c \uce68\ud574 \ub17c\ub780\uc744 \ud53c\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \ud1f4\uc9c1\uc790\u00b7\uace0\ub839\uce35\uc5d0 \ub300\ud55c \ubcf4\ud5d8\ub8cc \ubd80\uacfc \ubc29\uc2dd\uc740 \uc0ac\ud68c\uc801 \ud615\ud3c9\uc131\uacfc \uc7ac\uc815 \uc9c0\uc18d\uc131 \uc0ac\uc774\uc758 \ub51c\ub808\ub9c8\ub97c \ub4dc\ub7ec\ub0b8\ub2e4. \uc7ac\uc0b0 \uae30\uc900 \ubd80\uacfc\ub294 \uc18c\ub4dd \uae30\uc900 \ud30c\uc545\uc774 \uc5b4\ub824\uc6e0\ub358 \uacfc\uac70 \ubb38\uc81c\ub97c \ubcf4\uc644\ud588\uc73c\ub098, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uace0\uc815 \uc790\uc0b0\uc744 \uac00\uc9c4 \uc740\ud1f4\uc790\uc5d0\uac8c \uacfc\uc911\ud55c \ubd80\ub2f4\uc744 \uc904 \uc218 \uc788\ub2e4. \uc815\ucc45\uc801 \ub300\uc548\uc73c\ub85c\ub294 \uacbd\uac10\uc81c\ub3c4 \ud655\ub300, \uc18c\ub4dd\ub300\uccb4 \uc7a5\uce58, \ub610\ub294 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1\uc758 \uc790\uc0b0\uc5d0 \ub300\ud55c \uc608\uc678 \uaddc\uc815 \uac80\ud1a0 \ub4f1\uc774 \uac70\ub860\ub420 \uc218 \uc788\ub2e4.<\/p>\n<h2>\ube44\uad50 \ubc0f \ub370\uc774\ud130<\/h2>\n<figure>\n<table>\n<thead>\n<tr>\n<th>\uad6c\ubd84<\/th>\n<th>\ubcf4\ud5d8\ub8cc \ubd80\ub2f4 \ubc29\uc2dd<\/th>\n<th>\uc8fc\uc694 \uc601\ud5a5<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc9c1\uc7a5\uac00\uc785\uc790<\/td>\n<td>\ud68c\uc0ac\u00b7\uadfc\ub85c\uc790 \ubd84\ub2f4(\ub300\uccb4\ub85c \uc808\ubc18\uc529)<\/td>\n<td>\ud1f4\uc9c1 \uc804 \ubd80\ub2f4 \uc644\ud654, \uc804\ud658 \uc2dc \ubd80\ub2f4 \uae09\uc99d \uac00\ub2a5<\/td>\n<\/tr>\n<tr>\n<td>\uc9c0\uc5ed\uac00\uc785\uc790(\uc740\ud1f4\uc790 \ud3ec\ud568)<\/td>\n<td>\uc18c\ub4dd\u00b7\uc7ac\uc0b0 \uae30\uc900 \uc804\uc561 \ubd80\ub2f4<\/td>\n<td>\uc18c\ub4dd \ub2e8\uc808 \uc2dc \uc7ac\uc0b0 \uae30\ubc18 \ubd80\ub2f4\uc73c\ub85c \uc0dd\ud65c\ube44 \uc555\ubc15<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>\uc704 \ud45c\ub294 \uc9c1\uc7a5\uac00\uc785\uc790\uc640 \uc9c0\uc5ed\uac00\uc785\uc790\uc758 \ubcf4\ud5d8\ub8cc \uc0b0\uc815 \ubc29\uc2dd \ucc28\uc774\ub97c \uac04\ub7b5 \ube44\uad50\ud55c \uac83\uc774\ub2e4. \uac74\ubcf4\uacf5\ub2e8\uc758 \ubd84\uc11d\ucc98\ub7fc \uac80\uc0ac\u00b7\uc9c4\ub8cc \uac74\uc218\uac00 \ub298\uc5b4\ub098\ub294 \uad6c\uc870\uc801 \uc694\uc778\uc774 \uc788\uc73c\uba74 \uacf5\uae09\uc790 \uce21\uc758 \uc9c4\ub8cc \uad00\ud589 \ubcc0\ud654\uac00 \uc5c6\uc744 \uacbd\uc6b0 \uc9c0\ucd9c \uc5b5\uc81c\ub294 \uc5b4\ub835\ub2e4. \ub370\uc774\ud130 \uae30\ubc18\uc758 \uc2ec\uc0ac\u00b7\uc9c0\uae09 \uac1c\uc120\uacfc \ud568\uaed8 \ucde8\uc57d\uacc4\uce35 \ubcf4\ud5d8\ub8cc \uacbd\uac10 \ubc29\uc548\ub3c4 \ubcd1\ud589\ub418\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<h2>\ubc18\uc751 \ubc0f \uc778\uc6a9<\/h2>\n<blockquote>\n<p>&#8220;\uacc4\uc18d \ub298\uc5b4\ub098\ub294 \uc758\ub8cc \ud589\uc704\ub7c9\uc744 \uc870\uc815\ud558\uc9c0 \uc54a\uc73c\uba74 \uac74\ubcf4 \uc7ac\uc815\uc740 \uc870\ub9cc\uac04 \uace0\uac08\ub420 \uac83&#8221;<\/p>\n<p><cite>\uc815\uae30\uc11d \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc774\uc0ac\uc7a5(\uacf5\uc2dd \ubc1c\uc5b8)<\/cite><\/p><\/blockquote>\n<p>\uc815 \uc774\uc0ac\uc7a5\uc740 \uacfc\uc789 \uc9c4\ub8cc\ub97c \uba85\ud655\ud788 \uaddc\uba85\ud558\uace0 \uc81c\uc7ac\ud558\uc9c0 \uc54a\uc73c\uba74 \uc7ac\uc815\uc801 \uc704\ud5d8\uc774 \ud655\ub300\ub41c\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4. \uadf8\ub294 \uc0ac\ub840 \uae30\ubc18\uc758 \uac10\uc0ac\uc640 \uc81c\ub3c4 \uac1c\uc120\uc744 \ud1b5\ud574 \uc9c0\ucd9c \uc99d\uac00 \uc18d\ub3c4\ub97c \ub0ae\ucd9c \ud544\uc694\uac00 \uc788\ub2e4\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\uc740\ud1f4 \uc774\ud6c4 \uc7ac\uc0b0\uc5d0 \ub530\ub77c \uc0b0\uc815\ub418\ub294 \ubcf4\ud5d8\ub8cc\uac00 \uc0dd\ud65c\ube44 \uc555\ubc15\uc73c\ub85c \uc774\uc5b4\uc9c4\ub2e4&#8221;<\/p>\n<p><cite>\uc9c0\uc5ed\uac00\uc785\uc790(\uc740\ud1f4\uc790) \ub300\ud45c\uc801 \ubbfc\uc6d0<\/cite><\/p><\/blockquote>\n<p>\uc740\ud1f4\uc790\ub4e4\uc758 \ubbfc\uc6d0\uc740 \ub2e8\uc21c\ud55c \ubd88\ub9cc\uc744 \ub118\uc5b4 \uc815\ucc45 \ubcc0\ud654 \uc694\uad6c\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\ub2e4. \ubcf4\ud5d8\ub8cc \uc0b0\uc815 \ubc29\uc2dd\uc758 \uacf5\uc815\uc131 \ubc0f \ucde8\uc57d\uce35 \ubcf4\ud638\uac00 \ud575\uc2ec \ub17c\uc810\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\ub2e4.<\/p>\n<h2>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4\/\ubc29\ubc95\ub860<\/summary>\n<p>\uc0ac\ubb34\uc7a5\ubcd1\uc6d0: \uc758\uc0ac \uba85\uc758\ub97c \ube4c\ub824 \ube44\uc758\ub8cc\uc778\uc774 \uc2e4\uc9c8\uc801\uc73c\ub85c \uc6b4\uc601\ud558\ub294 \uc758\ub8cc\uae30\uad00\uc73c\ub85c, \ubd88\ubc95 \uccad\uad6c\uc640 \uacfc\ub2e4 \uccad\uad6c\ub85c \uac74\ubcf4 \uc7ac\uc815\uc5d0 \uc190\uc2e4\uc744 \uc8fc\ub294 \uac83\uc73c\ub85c \ubd84\ub958\ub41c\ub2e4. \ud2b9\uc0ac\uacbd: \ud2b9\uc815 \uc0ac\uc548\uc5d0 \ub300\ud574 \uc218\uc0ac\uad8c\uc744 \uac16\ub294 \ud2b9\ubcc4\uc0ac\ubc95\uacbd\ucc30\ub85c, \uacf5\ub2e8 \ub4f1 \uae30\uad00\uc774 \uc2e0\uc18d\ud788 \ubd88\ubc95 \ud589\uc704\ub97c \uc801\ubc1c\ud558\uace0 \ucc28\ub2e8\ud558\ub294 \ub370 \ud65c\uc6a9\ub41c\ub2e4. \uc758\ub8cc \ud589\uc704\ub7c9: \uc9c4\ub8cc\u00b7\uac80\uc0ac\u00b7\uc2dc\uc220 \ub4f1 \uc81c\uacf5\ub41c \uc758\ub8cc \uc11c\ube44\uc2a4\uc758 \ucd1d\ub7c9\uc744 \uc758\ubbf8\ud558\uba70, \ub2e8\uc704 \ud658\uc790\ub2f9 \uc81c\uacf5 \ud56d\ubaa9 \uc218\uac00 \uc99d\uac00\ud558\uba74 \uc804\uccb4 \uae09\uc5ec\ube44\uac00 \ub298\uc5b4\ub09c\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<\/h2>\n<h2>\ubd88\ud655\uc2e4\ud55c \ubd80\ubd84<\/h2>\n<ul>\n<li>\uc77c\ubd80 \uc9c0\uc801\ub41c \ub2e4\uc218 \uac80\uc0ac \uc0ac\ub840\uc758 \uc758\ub8cc\uc801 \ud544\uc694\uc131 \uc5ec\ubd80\ub294 \uac1c\ubcc4 \uc9c4\ub8cc\uae30\ub85d\uc744 \ud1b5\ud574 \ucd94\uac00 \ud655\uc778\uc774 \ud544\uc694\ud558\ub2e4.<\/li>\n<li>\ud2b9\uc0ac\uacbd \ub3c4\uc785\uc774 \uc2e4\uc81c\ub85c \ub204\uc218 \ucc28\ub2e8 \ud6a8\uacfc\ub97c \uc5bc\ub9c8\ub9cc\ud07c \uc989\uc2dc \ub0b4\ub294\uc9c0\ub294 \ubc95\uc801\u00b7\ud589\uc815\uc801 \uc808\ucc28\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9<\/h2>\n<p>\uc758\ub8cc \ud589\uc704\ub7c9 \uc99d\uac00\uc640 \ubd88\ubc95 \uc758\ub8cc\uae30\uad00\uc73c\ub85c \uc778\ud55c \ub204\uc218\ub294 \uac74\ubcf4 \uc7ac\uc815\uc758 \uad6c\uc870\uc801 \uc555\ubc15 \uc694\uc778\uc774\ub2e4. \ub2e8\uae30\uc801\uc73c\ub860 \ubd88\ud544\uc694\ud55c \uac80\uc0ac\u00b7\uc2dc\uc220\uc758 \uc2ec\uc0ac \uac15\ud654\uc640 \ubd88\ubc95 \uae30\uad00 \uc0c9\ucd9c\uc774 \ube44\uc6a9 \uc5b5\uc81c\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4. \uc911\uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc218\uac00 \uccb4\uacc4 \uac1c\ud3b8, \uc9c4\ub8cc \ubcf4\uc0c1 \ubc29\uc2dd\uc758 \uc804\ud658, \uadf8\ub9ac\uace0 \uc740\ud1f4\uc790 \ub4f1 \ucde8\uc57d\uacc4\uce35\uc5d0 \ub300\ud55c \ubcf4\ud5d8\ub8cc \ubd80\ub2f4 \uc644\ud654 \ubc29\uc548 \uac80\ud1a0\uac00 \ubcd1\ud589\ub418\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc815\ucc45 \uacb0\uc815\uc790\ub4e4\uc740 \uc7ac\uc815 \uc548\uc815\uacfc \ubcf4\uc7a5\uc131 \uc720\uc9c0\ub77c\ub294 \ub450 \uac00\uc9c0 \ubaa9\ud45c \uc0ac\uc774\uc5d0\uc11c \uade0\ud615\uc744 \ucc3e\uc544\uc57c \ud55c\ub2e4. \ud22c\uba85\ud55c \uadfc\uac70\uc640 \uacf5\uac1c\ub41c \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \uac1c\uc785, \uadf8\ub9ac\uace0 \uc0ac\ud68c\uc801 \ud569\uc758\ub97c \uc704\ud55c \ub17c\uc758\uac00 \ud544\uc694\ud558\ub2e4. \ub3c5\uc790\ub4e4\uc740 \ud5a5\ud6c4 \uacf5\ub2e8\uc758 \uad6c\uccb4\uc801 \uac10\uc0ac \uacb0\uacfc\uc640 \uc815\ubd80\uc758 \uc81c\ub3c4 \uac1c\uc120\uc548\uc744 \uc8fc\ubaa9\ud560 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<h2>\ucd9c\ucc98<\/h2>\n<ul>\n<li><a href=\"https:\/\/kormedi.com\/2787561\/\" target=\"_blank\" rel=\"noopener\">\ucf54\uba54\ub514\ub2f7\ucef4<\/a> \u2014 \uc5b8\ub860 \ubcf4\ub3c4(\uc6d0\ubb38 \uae30\uc0ac)<\/li>\n<li><a href=\"https:\/\/www.nhis.or.kr\/\" target=\"_blank\" rel=\"noopener\">\uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8<\/a> \u2014 \uacf5\uc2dd \uae30\uad00(\uae30\uad00 \ud648\ud398\uc774\uc9c0)<\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\ud575\uc2ec \uc694\uc57d \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc815\uae30\uc11d \uc774\uc0ac\uc7a5\uc774 1\uc6d4 5\uc77c \uacfc\uc789 \uc9c4\ub8cc \ud655\ub300\uac00 \uacc4\uc18d\ub418\uba74 \uac74\uac15\ubcf4\ud5d8 \uc7ac\uc815\uc774 \uc870\ub9cc\uac04 \uace0\uac08\ub420 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4. \uc77c\ubd80 \uc758\ub8cc\uae30\uad00\uc5d0\uc11c \ubd88\ud544\uc694\ud55c \uac80\uc0ac\u00b7\uc9c4\ub8cc\uac00 \ub298\uba74\uc11c \uae09\uc5ec\ube44 \uc9c0\ucd9c\uc774 \uac00\ud30c\ub974\uac8c \uc99d\uac00\ud558\ub294 \uac83\uc774 \uc8fc\ub41c \uc6d0\uc778\uc73c\ub85c \uc9c0\ubaa9\ub41c\ub2e4. \ud55c\ud3b8 \uc740\ud1f4\uc790\ub4e4\uc740 \uc7ac\uc0b0\uc744 \uae30\uc900\uc73c\ub85c \ub9e4\uaca8\uc9c0\ub294 \uc9c0\uc5ed\uac00\uc785\uc790 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc5d0 \ud070 \ubd88\ub9cc\uc744 \ud45c\ud558\uace0 \uc788\ub2e4. \uac74\ubcf4\uacf5\ub2e8\uc740 \uc0ac\ubb34\uc7a5\ubcd1\uc6d0 \uc0c9\ucd9c\uacfc \ud2b9\uc0ac\uacbd \ub3c4\uc785 \ub4f1\uc744 \ud1b5\ud574 \ub204\uc218\ub97c \ub9c9\uaca0\ub2e4\uace0 \ubc1d\ud614\ub2e4. \ud575\uc2ec \uc0ac\uc2e4 &#8230; <a title=\"\ud1f4\uc9c1\uc790 \uc7ac\uc0b0\uc5d0\ub3c4 &#8216;\uac74\ubcf4\ub8cc&#8217; \ub9e4\uae30\ub294\ub370\u2026 \uc77c\ubd80 \uc758\uc0ac\uc758 \uacfc\uc789 \uc9c4\ub8cc\uc5d0 \uac74\ubcf4 \uc7ac\uc815\uc740 \uc801\uc790 \uc704\uae30, \ubb34\uc2a8 \uc77c?\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/retiree-health-insurance-overuse-deficit\/\" aria-label=\"\ud1f4\uc9c1\uc790 \uc7ac\uc0b0\uc5d0\ub3c4 &#8216;\uac74\ubcf4\ub8cc&#8217; \ub9e4\uae30\ub294\ub370\u2026 \uc77c\ubd80 \uc758\uc0ac\uc758 \uacfc\uc789 \uc9c4\ub8cc\uc5d0 \uac74\ubcf4 \uc7ac\uc815\uc740 \uc801\uc790 \uc704\uae30, \ubb34\uc2a8 \uc77c?\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":8145,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\ud1f4\uc9c1\uc790 \uc7ac\uc0b0 \uac74\ubcf4\ub8cc\u00b7\uacfc\uc789 \uc9c4\ub8cc\uac00 \ubd80\ub978 \uc7ac\uc815 \uc704\uae30 \u2014 \ucf54\uba54\ub514\ub2f7\ucef4","rank_math_description":"\uc815\uae30\uc11d \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc774\uc0ac\uc7a5\uc740 \uacfc\uc789 \uc9c4\ub8cc\uc640 \ubd88\ubc95 \uc758\ub8cc\uae30\uad00 \ub204\uc218\uac00 \uac74\ubcf4 \uc7ac\uc815 \uc801\uc790 \uc704\uae30\ub97c \ud0a4\uc6b4\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4. \uc740\ud1f4\uc790\uc758 \uc7ac\uc0b0\uae30\ubc18 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4 \ubb38\uc81c\uc640 \uc81c\ub3c4 \uac1c\uc120 \ubc29\uc548\uc744 \ubd84\uc11d\ud55c\ub2e4.","rank_math_focus_keyword":"\uac74\uac15\ubcf4\ud5d8,\uacfc\uc789\uc9c4\ub8cc,\uac74\ubcf4\uc7ac\uc815,\uc0ac\ubb34\uc7a5\ubcd1\uc6d0,\uc7ac\uc0b0\ubd80\uacfc","footnotes":""},"categories":[2],"tags":[],"class_list":["post-8147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"_links":{"self":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/8147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/comments?post=8147"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/8147\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/8145"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=8147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=8147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=8147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}