{"id":8871,"date":"2026-02-22T03:08:17","date_gmt":"2026-02-21T18:08:17","guid":{"rendered":"https:\/\/readtrends.com\/ko\/retiree-health-insurance-230k\/"},"modified":"2026-02-22T03:08:17","modified_gmt":"2026-02-21T18:08:17","slug":"retiree-health-insurance-230k","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/retiree-health-insurance-230k\/","title":{"rendered":"\uc6d4\uae09\uc740 0\uc6d0\uc778\ub370 \uac74\ubcf4\ub8cc 23\ub9cc\uc6d0, \ub9d0\uc774 \ub3fc\uc694?\u202615\uc5b5 \uc544\ud30c\ud2b8 \ud1f4\uc9c1\uc790\uc758 &#8216;\ucc29\uac01&#8217;"},"content":{"rendered":"<article>\n<h2>\ud575\uc2ec \uc694\uc57d<\/h2>\n<p>\uc740\ud1f4\uc640 \ub3d9\uc2dc\uc5d0 \uc9c1\uc7a5\uac00\uc785\uc790\uc5d0\uc11c \uc9c0\uc5ed\uac00\uc785\uc790\ub85c \uc804\ud658\ub418\uba74 \uac74\uac15\ubcf4\ud5d8 \uc0b0\uc815 \ubc29\uc2dd\uc774 \ubc14\ub00c\uc5b4, \uc18c\ub4dd\uc774 \uc5c6\ub354\ub77c\ub3c4 \ubcf4\uc720 \uc7ac\uc0b0\uc744 \uc6d4 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ud574 \ubcf4\ud5d8\ub8cc\uac00 \ubd80\uacfc\ub41c\ub2e4. 2026\ub144 \uae30\uc900 \ubcf4\ud5d8\ub8cc\uc728\uc740 7.19%\ub85c \uc778\uc0c1\ub41c \uac00\uc6b4\ub370, \uc11c\uc6b8 \uc2dc\uc138 15\uc5b5(\uacf5\uc2dc\uac00 10\uc5b5) \uc544\ud30c\ud2b8 \ubcf4\uc720 58\uc138 \uc740\ud1f4\uc790\ub294 \uc6d4 18\ub9cc~23\ub9cc\uc6d0\uc758 \uac74\ubcf4\ub8cc \uace0\uc9c0\uc11c\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4. \uc9c1\uc7a5 \uc2dc\uc808 \ubcf8\uc778 \ubd80\ub2f4(\uc6d4 14\ub9cc3800\uc6d0)\ubcf4\ub2e4 \uc624\ud788\ub824 \ubd80\ub2f4\uc774 \ucee4\uc838 \uc5f0\uac04 60\ub9cc~80\ub9cc\uc6d0\uc774 \ucd94\uac00\ub420 \uc218 \uc788\ub2e4. \uc81c\ub3c4\uc0c1 &#8216;\uc784\uc758\uacc4\uc18d\uac00\uc785&#8217; \ub4f1 \ud65c\uc6a9\uacfc \uc0ac\uc804 \ubaa8\uc758\uacc4\uc0b0\uc774 \ubc29\uc5b4\ucc45\uc774 \ub41c\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc0ac\uc2e4<\/h2>\n<ul>\n<li>2024\ub144\ub9d0 \uae30\uc900 \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9\uc778\uad6c\ub294 51,439,000\uc5ec\uba85\uc774\ub2e4(\uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8\u00b7NH\ud22c\uc790\uc99d\uad8c 100\uc138\uc2dc\ub300\uc5f0\uad6c\uc18c).<\/li>\n<li>\uac00\uc785 \uc720\ud615 \ube44\uc911\uc740 \uc9c1\uc7a5\uac00\uc785\uc790 39%, \ud53c\ubd80\uc591\uc790 31%, \uc9c0\uc5ed\uac00\uc785\uc790 30%\ub85c \uc9d1\uacc4\ub41c\ub2e4.<\/li>\n<li>2026\ub144 \uac74\uac15\ubcf4\ud5d8\ub8cc\uc728\uc740 7.19%\ub85c \uc804\ub144 \ub300\ube44 0.10%\ud3ec\uc778\ud2b8 \uc62c\ub790\ub2e4.<\/li>\n<li>\uc9c1\uc7a5\uac00\uc785\uc790\ub294 \ubcf4\uc218(\uc6d4\uae09)\ub97c \uae30\uc900\uc73c\ub85c \ud68c\uc0ac\uc640 \uac1c\uc778\uc774 50:50 \ubd80\ub2f4\ud558\uc9c0\ub9cc, \uc9c0\uc5ed\uac00\uc785\uc790\ub294 \uc18c\ub4dd\uacfc \uc7ac\uc0b0\uc744 \ud569\uc0b0\ud574 \uac00\uc785\uc790\uac00 100% \ub0a9\ubd80\ud55c\ub2e4.<\/li>\n<li>\uc11c\uc6b8 \uc131\ub3d9\uad6c \uc2dc\uc138 15\uc5b5(\uacf5\uc2dc\uac00 10\uc5b5) \uc544\ud30c\ud2b8\uc758 \uc7ac\uc0b0\uc138 \uacfc\uc138\ud45c\uc900\uc740 \uc57d 6\uc5b5\uc6d0, \uae30\ubcf8\uacf5\uc81c 1\uc5b5\uc6d0\uc744 \ube7c\uba74 5\uc5b5\uc6d0\uc774 \uac74\ubcf4 \uc0b0\uc815 \ub300\uc0c1\uc774 \ub418\uc5b4 \uc6d4 200\ub9cc\uc6d0\ub300 \uac00\uc0c1\uc758 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ub41c\ub2e4.<\/li>\n<li>\uc774 \uc0ac\ub840\uc5d0 7.19%\ub97c \uc801\uc6a9\ud558\uba74 \ud1f4\uc9c1 \ud6c4 \ubcf4\ud5d8\ub8cc\ub294 \uc6d4 \uc57d 18\ub9cc~23\ub9cc\uc6d0 \uc218\uc900\uc73c\ub85c, \uc7ac\uc9c1 \uc2dc \ubcf8\uc778 \ubd80\ub2f4 \uc6d4 14\ub9cc3800\uc6d0\ubcf4\ub2e4 5\ub9cc~7\ub9cc\uc6d0 \uc99d\uac00\ud55c\ub2e4.<\/li>\n<li>2024\ub144 2\uc6d4 \uc790\ub3d9\ucc28\uc5d0 \ub300\ud55c \uac74\ubcf4 \ubd80\uacfc\uac00 \ud3d0\uc9c0\ub418\uace0 \uc9c0\uc5ed\uac00\uc785\uc790 \uc7ac\uc0b0 \uae30\ubcf8\uacf5\uc81c\uac00 1\uc5b5\uc6d0\uc73c\ub85c \ud655\ub300\ub410\ub2e4.<\/li>\n<li>\ud53c\ubd80\uc591\uc790 \uc694\uac74(2026\ub144 \uae30\uc900): \uc5f0\uc18c\ub4dd 2000\ub9cc\uc6d0 \uc774\ud558(\uc7ac\uc0b0\uc138 \uacfc\ud45c 5.4\uc5b5 \uc774\ud558 \uc2dc), 5.4\uc5b5 \ucd08\uacfc~9\uc5b5 \uc774\ud558 \uc2dc \uc18c\ub4dd 1000\ub9cc\uc6d0 \uc774\ud558, 9\uc5b5 \ucd08\uacfc \uc2dc \uc6d0\uce59\uc801 \ubd88\uac00.<\/li>\n<\/ul>\n<h2>\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p>\ud55c\uad6d \uac74\uac15\ubcf4\ud5d8\uc740 \uac00\uc785\uc790 \uc720\ud615\uc5d0 \ub530\ub77c \ubcf4\ud5d8\ub8cc \uc0b0\uc815 \uae30\uc900\uc774 \ud06c\uac8c \ub2e4\ub974\ub2e4. \uc9c1\uc7a5\uac00\uc785\uc790\ub294 &#8216;\ubcf4\uc218&#8217;\ub97c \uae30\uc900\uc73c\ub85c \ud68c\uc0ac\uc640 \uadfc\ub85c\uc790\uac00 \uc808\ubc18\uc529 \ub098\ub204\uc5b4 \ubd80\ub2f4\ud574 \uac1c\uc778 \ubd80\ub2f4\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc5b5\uc81c\ub41c\ub2e4. \ubc18\uba74 \uc9c0\uc5ed\uac00\uc785\uc790\ub294 \uadfc\ub85c\uc18c\ub4dd \uc678\uc5d0 \ubd80\ub3d9\uc0b0\u00b7\uae08\uc735\uc790\uc0b0 \ub4f1 &#8216;\uc7ac\uc0b0&#8217;\uc744 \uc18c\ub4dd\ud654\ud574 \ubcf4\ud5d8\ub8cc\uc5d0 \ubc18\uc601\ud55c\ub2e4. \uc740\ud1f4\uc790 \ub2e4\uc218\ub294 \uae09\uc5ec\uac00 \ub04a\uae30\ub294 \uc2dc\uc810\uc5d0\uc11c \uc2e0\ubd84 \ubcc0\ud654\ub97c \uac04\uacfc\ud574 \uac74\ubcf4\ub8cc \uc99d\uac00\ub97c \uccb4\uac10\ud55c\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uacf5\ub2e8\uacfc \uc815\ubd80\ub294 \uc740\ud1f4\uc790\uc758 \ubd80\ub2f4\uc744 \uc77c\ubd80 \uc644\ud654\ud558\uae30 \uc704\ud55c \uc81c\ub3c4 \ubcc0\uacbd\uc744 \ub2e8\ud589\ud588\ub2e4. 2024\ub144 2\uc6d4 \uc790\ub3d9\ucc28 \uacfc\uc138 \ud56d\ubaa9\uc744 \uc0ad\uc81c\ud558\uace0 \uc7ac\uc0b0 \uae30\ubcf8\uacf5\uc81c\ub97c 1\uc5b5\uc6d0\uc73c\ub85c \uc62c\ub9b0 \uac83\uc774 \ub300\ud45c\uc801\uc774\ub2e4. \uadf8\ub7ec\ub098 \uacf5\uc2dc\uac00\uaca9\u00b7\uc7ac\uc0b0 \ubcf4\uc720\uc561\uc774 \ud070 1\uc8fc\ud0dd\uc790 \ub4f1\uc740 \uc5ec\uc804\ud788 \ub192\uc740 \uc7ac\uc0b0 \uc810\uc218\ub85c \uc778\ud574 \uc778\ud558 \ud3ed\uc774 \uc81c\ud55c\uc801\uc774\ub2e4. \ub530\ub77c\uc11c \uc81c\ub3c4 \uac1c\ud3b8\ub9cc\uc73c\ub85c \ubaa8\ub4e0 \uc740\ud1f4\uc790 \ubd80\ub2f4\uc774 \ud574\uc18c\ub418\uc9c0\ub294 \uc54a\ub294\ub2e4.<\/p>\n<h2>\uc8fc\uc694 \uc0ac\uac74<\/h2>\n<p>\uc740\ud1f4 \uc9c1\ud6c4 \uace0\uc9c0\uc11c\uc5d0 \uc801\ud78c \ubcf4\ud5d8\ub8cc\uac00 \uc7ac\uc9c1 \uc2dc\ubcf4\ub2e4 \ub298\uc5b4\ub09c \uc0ac\ub840\uac00 \ubc18\ubcf5 \ubcf4\uace0\ub418\uace0 \uc788\ub2e4. \uc804\ud615\uc801 \ucf00\uc774\uc2a4\ub294 \uc6d4\uae09 400\ub9cc\uc6d0\uc744 \ubc1b\ub358 \uadfc\ub85c\uc790\uac00 \ud1f4\uc9c1 \ud6c4 \uc18c\ub4dd\uc774 \uc0ac\uc2e4\uc0c1 0\uc6d0\uc774 \ub418\uc5c8\uc73c\ub098, \ubcf4\uc720 \uc8fc\ud0dd\uc758 \uc7ac\uc0b0 \uc810\uc218\ub85c \uc778\ud574 \uc9c0\uc5ed\uac00\uc785\uc790 \ubcf4\ud5d8\ub8cc\uac00 \ub354 \ub192\uc544\uc9c0\ub294 \uacbd\uc6b0\ub2e4. \uacf5\ub2e8\uc740 \uc7ac\uc0b0\uc744 \uc7ac\uc0b0\uc138 \uacfc\ud45c \uae30\uc900\uc73c\ub85c \uc810\uc218\ud654\ud55c \ub4a4 \uc774\ub97c \uc6d4 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ud574 \ubcf4\ud5d8\ub8cc\ub97c \uc0b0\uc815\ud55c\ub2e4.<\/p>\n<p>\uad6c\uccb4\uc801 \uc2dc\ubbac\ub808\uc774\uc158\uc5d0\uc11c \uc11c\uc6b8 \uc131\ub3d9\uad6c 15\uc5b5 \uc6d0(\uacf5\uc2dc\uac00 10\uc5b5) \uc544\ud30c\ud2b8 \ubcf4\uc720 58\uc138 \uc740\ud1f4\uc790\ub294 \ud1f4\uc9c1 \uc804 \ubcf8\uc778\uc774 \ub0b4\ub358 \uac74\ubcf4\ub8cc 14\ub9cc3800\uc6d0\uc5d0\uc11c \ud1f4\uc9c1 \ud6c4 18\ub9cc~23\ub9cc\uc6d0 \uc218\uc900\uc73c\ub85c \ub298\uc5b4\ub0ac\ub2e4. \ucc28\uc561\uc740 \uc6d4 5\ub9cc~7\ub9cc\uc6d0, \uc5f0\uac04 60\ub9cc~80\ub9cc\uc6d0 \uc218\uc900\uc73c\ub85c \uac00\uacc4 \uc9c0\ucd9c\uc5d0 \uc2e4\uc9c8\uc801 \uc601\ud5a5\uc744 \uc900\ub2e4. \uc774\ub7f0 \ubcc0\ud654\ub294 \ud2b9\ud788 \uc5f0\uae08 \uc218\uae09 \uac1c\uc2dc \uc804 \uc740\ud1f4 \ucd08\uae30\uc5d0 \uc7ac\uc815\uacc4\ud68d\uc744 \ubb34\ub108\ub728\ub9ac\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud55c\ub2e4.<\/p>\n<p>\ud53c\ubd80\uc591\uc790\uc5d0\uc11c \ud0c8\ub77d\ud558\uba74 \ud1b5\ubcf4 \uc5c6\uc774 \uc9c0\uc5ed\uac00\uc785\uc790\ub85c \uc804\ud658\ub418\uace0 \uace0\uc9c0\uc11c\uac00 \uba3c\uc800 \ub3c4\ucc29\ud558\ub294 \uc0ac\ub840\uac00 \ub9ce\ub2e4. \uacf5\uc801\uc5f0\uae08 \uc218\ub839 \uac1c\uc2dc, \uae08\uc735\uc18c\ub4dd \uc9d1\uc911, \uacf5\uc2dc\uac00\uaca9 \uc0c1\uc2b9\uc774 \uacb9\uce60 \ub54c \ud0c8\ub77d \ube48\ub3c4\uac00 \ub192\ub2e4. \ud53c\ubd80\uc591\uc790 \uc694\uac74\uc740 \ub9e4\ub144 \uc7ac\uc2ec\uc0ac\ub418\ubbc0\ub85c \uc77c\ud68c\uc131 \uc7ac\ubb34\uc774\ub3d9\ub3c4 \uc790\uaca9 \uc720\uc9c0\uc5d0 \uacb0\uc815\uc801\uc77c \uc218 \uc788\ub2e4.<\/p>\n<h2>\ubd84\uc11d \ubc0f \uc758\ubbf8<\/h2>\n<p>\uccab\uc9f8, \uac74\ubcf4\ub8cc\ub294 \ub2e8\uc21c\ud55c \ub0a9\ubd80 \ud56d\ubaa9\uc774 \uc544\ub2c8\ub77c \uc740\ud1f4\uc790\uc758 \uc790\uc0b0\u00b7\uc18c\ub4dd \uad6c\uc870\ub97c \ub4dc\ub7ec\ub0b4\ub294 &#8216;\uacb0\uacfc\ud45c&#8217;\ub2e4. \uc7ac\uc0b0\uc774 \uc788\ub2e4\uace0 \ud574\uc11c \uc2e4\uc81c \ud604\uae08\ud750\ub984\uc774 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc544\ub3c4 \uacf5\ub2e8\uc740 \uc774\ub97c \uc18c\ub4dd \ub2a5\ub825\uc73c\ub85c \uac04\uc8fc\ud55c\ub2e4. \ub530\ub77c\uc11c \uc8fc\ud0dd \ub4f1 \ube44\uc720\ub3d9 \uc790\uc0b0 \ubcf4\uc720\uc790\ub294 \uc740\ud1f4 \ud6c4 \uc9c0\ucd9c \ud56d\ubaa9\uc73c\ub85c \uac74\ubcf4\ub8cc\ub97c \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uc815\ucc45 \ubcc0\ud654(\uc790\ub3d9\ucc28 \uacfc\uc138 \ud3d0\uc9c0\u00b7\uc7ac\uc0b0\uacf5\uc81c \uc0c1\ud5a5)\ub294 \uc77c\ubd80 \ubd80\ub2f4 \uacbd\uac10 \ud6a8\uacfc\ub97c \ub0c8\uc9c0\ub9cc \uad6c\uc870\uc801 \ubd88\uade0\ud615\uc744 \ud574\uc18c\ud558\uc9c0\ub294 \ubabb\ud588\ub2e4. \ud2b9\ud788 \uc218\ub3c4\uad8c 1\uc8fc\ud0dd \uace0\uc5f0\ub839\uce35\ucc98\ub7fc \uacf5\uc2dc\uac00\uaca9 \uc0c1\uc2b9 \uc601\ud5a5\uc744 \ud06c\uac8c \ubc1b\ub294 \uacc4\uce35\uc740 \uccb4\uac10 \uc644\ud654\uac00 \ubbf8\ubbf8\ud558\ub2e4. \uc774\ub294 \uac74\ubcf4\ub8cc \uac1c\ud3b8\uc774 \uc7ac\uc0b0 \uaddc\ubaa8\uc640 \ubd84\ud3ec\ub97c \uc5b4\ub5bb\uac8c \ubc18\uc601\ud560\uc9c0\uc5d0 \ub300\ud55c \ucd94\uac00 \ub17c\uc758\uac00 \ud544\uc694\ud568\uc744 \uc2dc\uc0ac\ud55c\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \uac1c\uc778\uc758 \uc740\ud1f4 \uc124\uacc4\ub294 \uc138\uae08\u00b7\uc5f0\uae08\ub9cc\uc774 \uc544\ub2c8\ub77c \ubcf4\ud5d8\ub8cc\u00b7\ud53c\ubd80\uc591\uc790 \uc790\uaca9\uae4c\uc9c0 \ud1b5\ud569\ud574 \uc124\uacc4\ub3fc\uc57c \ud55c\ub2e4. \uc18c\ub4dd\u00b7\uc7ac\uc0b0\uc758 \uc5f0\uacc4\uc801 \uc601\ud5a5(\uc608: \uc5f0\uae08 \uc218\ub839 \uc2dc\uc810, \uae08\uc735\uc0c1\ud488 \ub9cc\uae30 \ubd84\uc0b0)\uc774 \uac00\uacc4 \uc804\uccb4 \uac74\ubcf4\ub8cc \ubd80\ub2f4\uc5d0 \uacb0\uc815\uc801 \uc601\ud5a5\uc744 \ubbf8\uce58\ubbc0\ub85c \uc0ac\uc804 \uc2dc\ubbac\ub808\uc774\uc158\uacfc \uc870\uc815\uc774 \ud544\uc218\uc801\uc774\ub2e4.<\/p>\n<h2>\ube44\uad50 \ubc0f \ub370\uc774\ud130<\/h2>\n<figure>\n<table>\n<thead>\n<tr>\n<th>\ud56d\ubaa9<\/th>\n<th>\uc7ac\uc9c1 \uc2dc(\uc6d4, \ubcf8\uc778 \ubd80\ub2f4)<\/th>\n<th>\ud1f4\uc9c1 \ud6c4 \uc9c0\uc5ed\uac00\uc785\uc790(\uc6d4)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc6d4\uae09(\ubcf4\uc218)<\/td>\n<td>400\ub9cc\uc6d0<\/td>\n<td>0\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc544\ud30c\ud2b8 \uc2dc\uc138\/\uacf5\uc2dc\uac00<\/td>\n<td>15\uc5b5 \/ 10\uc5b5<\/td>\n<td>15\uc5b5 \/ 10\uc5b5<\/td>\n<\/tr>\n<tr>\n<td>\uc7ac\uc0b0\uc138 \uacfc\ud45c<\/td>\n<td>\uc57d 6\uc5b5\uc6d0<\/td>\n<td>\uc57d 6\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uac74\ubcf4\ub8cc(\ucd1d\uc561)<\/td>\n<td>287,600\uc6d0<\/td>\n<td>\uc57d 180,000~230,000\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ubcf8\uc778 \ubd80\ub2f4<\/td>\n<td>143,800\uc6d0<\/td>\n<td>\ub3d9\uc77c(\uc9c0\uc5ed\uac00\uc785\uc790 \uc804\uc561 \ubd80\ub2f4)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>\uc704 \ud45c\ub294 \uc0ac\ub840 \uae30\ubc18\uc758 \ub2e8\uc21c \ube44\uad50\ub2e4. \uc7ac\uc0b0\uc138 \uacfc\ud45c\ub294 \uacf5\uc2dc\uac00\uaca9\uc758 \uc57d 60% \uc218\uc900\uc744 \uae30\uc900\uc73c\ub85c \uacc4\uc0b0\ub418\uba70, \uacf5\ub2e8\uc758 \uc7ac\uc0b0 \ud658\uc0b0 \ubc29\uc2dd\u00b7\uc9c0\uc5ed\ubcc4 \ubd80\uacfc \ud45c\uc900\uc5d0 \ub530\ub77c \uac1c\ubcc4 \uae08\uc561\uc740 \ub2ec\ub77c\uc9c4\ub2e4. \ud45c\ub294 \uc740\ud1f4 \uc804\ud6c4 \ub3d9\uc77c \uc790\uc0b0\uc744 \uac00\uc815\ud588\uc744 \ub54c \ubcf4\ud5d8\ub8cc \uc0b0\uc815 \uae30\uc900\uc758 \ubcc0\ud654\uc640 \uac00\uacc4 \ubd80\ub2f4 \uc99d\uac10\uc744 \ud55c\ub208\uc5d0 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<h2>\ubc18\uc751 \ubc0f \uc778\uc6a9<\/h2>\n<p>\uacf5\uc2dd \uc785\uc7a5\uc5d0\uc11c\ub294 \uc81c\ub3c4 \ucde8\uc9c0\uc640 \ucd5c\uadfc \uac1c\ud3b8 \ud6a8\uacfc\ub97c \uac15\uc870\ud55c\ub2e4. \ub2f9\uad6d\uc740 \uc790\ub3d9\ucc28 \ubd80\uacfc \ud3d0\uc9c0\uc640 \uc7ac\uc0b0 \uacf5\uc81c \uc0c1\ud5a5\uc73c\ub85c \uc77c\ubd80 \uac00\uc785\uc790\uc758 \ubd80\ub2f4\uc774 \uc904\uc5c8\ub2e4\uace0 \uc124\uba85\ud558\uc9c0\ub9cc, \uac1c\ubcc4 \ucf00\uc774\uc2a4\ubcc4 \uccb4\uac10 \ucc28\uc774\ub294 \uc5ec\uc804\ud788 \ud06c\ub2e4\uace0 \uc778\uc815\ud55c\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\uc7ac\uc0b0\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \uc2e4\uc81c \ud604\uae08\ud750\ub984\uacfc\ub294 \ubcc4\uac1c\ub85c \ubcf4\ud5d8\ub8cc\uac00 \uc0b0\uc815\ub418\ub294 \uad6c\uc870\uac00 \uc788\uc5b4, \uc740\ud1f4 \ucd08\uae30\uc5d0 \uccb4\uac10 \ubd80\ub2f4\uc774 \ud074 \uc218 \uc788\ub2e4.&#8221;<\/p>\n<p><cite>\uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8(\uacf5\uc2dd)<\/cite><\/p><\/blockquote>\n<p>\uc774 \ubc1c\uc5b8 \uc804\ud6c4\ub85c \uacf5\ub2e8\uc740 \ubaa8\uc758\uacc4\uc0b0 \uc11c\ube44\uc2a4\uc640 \uc0c1\ub2f4 \ud655\ub300\ub97c \uad8c\uc7a5\ud558\uace0 \uc788\ub2e4. \uacf5\ub2e8\uc740 \ud2b9\ud788 \uc784\uc758\uacc4\uc18d\uac00\uc785 \uc548\ub0b4\uc640 \ud53c\ubd80\uc591\uc790 \uc694\uac74 \uc810\uac80\uc744 \ud1b5\ud574 \uae09\uc791\uc2a4\ub7ec\uc6b4 \uc804\ud658\uc73c\ub85c \uc778\ud55c \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud558\ub824\ub294 \uc815\ucc45\uc801 \uc758\uc9c0\ub97c \ud45c\uba85\ud588\ub2e4.<\/p>\n<p>\ud604\uc7a5 \uc804\ubb38\uac00\ub4e4\uc740 \uc2e4\ubb34\uc801 \ub300\ube44\ub97c \uad8c\uace0\ud55c\ub2e4. \uc7ac\ubb34\uc124\uacc4\uc0ac\uc640 \uc138\ubb34\uc804\ubb38\uac00\ub4e4\uc740 \uc740\ud1f4 \uc124\uacc4 \uc2dc \uac74\ubcf4\ub8cc \uc2dc\ub098\ub9ac\uc624\ub97c \ubc18\ub4dc\uc2dc \ud3ec\ud568\uc2dc\ud0a4\uace0, \uae08\uc735\uc18c\ub4dd \ub9cc\uae30 \ubd84\uc0b0 \ub4f1 \uc2e4\uc9c8\uc801 \uad00\ub9ac\uac00 \ud544\uc694\ud558\ub2e4\uace0 \ub9d0\ud55c\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\uc5f0\uae08\u00b7\uc138\uae08\ub9cc \uacc4\uc0b0\ud558\uba74 \ub193\uce58\ub294 \ubd80\ubd84\uc774 \uac74\ubcf4\ub8cc\ub2e4. \ubaa8\uc758\uacc4\uc0b0\uc73c\ub85c \ubbf8\ub9ac \ucda9\uaca9\uc744 \ud655\uc778\ud558\uace0 \ub9cc\uae30\u00b7\uc218\uae09 \uc2dc\uc810\uc744 \ubd84\uc0b0\ud574\uc57c \ud55c\ub2e4.&#8221;<\/p>\n<p><cite>\uc7ac\ubb34\uc124\uacc4\uc0ac(\uc804\ubb38\uac00)<\/cite><\/p><\/blockquote>\n<p>\ub300\uc911 \ubc18\uc751\uc740 \ud63c\ub780\uacfc \ubd84\ub178\uac00 \uc11e\uc5ec \uc788\ub2e4. \uc740\ud1f4\uc790 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c\ub294 &#8216;\uc6d4\uae09\uc740 0\uc6d0\uc774\uc9c0\ub9cc \uace0\uc9c0\uc11c\uac00 \uba3c\uc800 \uc628\ub2e4&#8217;\ub294 \ud45c\ud604\uc774 \ube48\ubc88\ud558\uba70, \uc81c\ub3c4 \uc124\uba85 \ubd80\uc871\uacfc \uc608\uce21 \ubd88\uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \ubd88\ub9cc\uc774 \ub098\uc628\ub2e4.<\/p>\n<h2>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4\/\ubc29\ubc95\ub860<\/summary>\n<p>\uc9c0\uc5ed\uac00\uc785\uc790 \ubcf4\ud5d8\ub8cc\ub294 \uc18c\ub4dd\ud3c9\uac00\uc640 \uc7ac\uc0b0\ud3c9\uac00\ub97c \ud569\ud574 \uacc4\uc0b0\ud55c\ub2e4. \uc7ac\uc0b0\ud3c9\uac00\ub294 \ubcf4\uc720 \ubd80\ub3d9\uc0b0\u00b7\ud1a0\uc9c0\u00b7\uc120\ubc15 \ub4f1 \uc790\uc0b0\uc744 \uc7ac\uc0b0\uc138 \uacfc\ud45c \uae30\uc900\uc73c\ub85c \uc810\uc218\ud654\ud558\uace0 \uc774\ub97c \uc6d4 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ud55c\ub2e4. \uc7ac\uc0b0\uc138 \uacfc\ud45c\ub294 \uacf5\uc2dc\uac00\uaca9\uc758 \uc57d 60% \uc218\uc900\uc774 \uc77c\ubc18\uc801\uc774\uba70, \uae30\ubcf8\uacf5\uc81c\ub294 1\uc5b5\uc6d0(2024\ub144 \uc774\ud6c4 \uae30\uc900)\uc774\ub2e4. \ud53c\ubd80\uc591\uc790\ub294 \ubc30\uc6b0\uc790 \ub4f1 \uc9c1\uc7a5\uac00\uc785\uc790\uc5d0 \uc758\ud574 \ubcf4\ud5d8\ub8cc\ub97c \uba74\uc81c\ubc1b\ub294 \uc81c\ub3c4\ub85c, \uc18c\ub4dd\u00b7\uc7ac\uc0b0 \uae30\uc900\uc73c\ub85c \ub9e4\ub144 \uc7ac\uc2ec\uc0ac\ub41c\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<\/h2>\n<h2>\ubd88\ud655\uc2e4\ud55c \ubd80\ubd84<\/h2>\n<ul>\n<li>\uacf5\ub2e8\uc758 \uac1c\ubcc4 \uc7ac\uc0b0 \ud658\uc0b0 \ubc29\uc2dd\uc740 \uc9c0\uc5ed\u00b7\uc0ac\ub840\ubcc4\ub85c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc5b4 \uc815\ud655\ud55c \uace0\uc9c0 \uae08\uc561\uc740 \ubaa8\uc758\uacc4\uc0b0 \uc5c6\uc774\ub294 \uc608\uce21\uc774 \uc5b4\ub835\ub2e4.<\/li>\n<li>\uacf5\uc2dc\uac00\uaca9 \ubcc0\ub3d9\u00b7\uc7ac\uc0b0\uc138 \uacfc\ud45c \uc0b0\uc815 \uc138\ubd80 \ud56d\ubaa9\uc774 \ud5a5\ud6c4 \ucd94\uac00 \uac1c\ud3b8\ub420 \uacbd\uc6b0 \ud604\uc7ac\uc758 \uc2dc\ubbac\ub808\uc774\uc158 \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/li>\n<li>\uac1c\ubcc4 \uc5f0\uae08\u00b7\uae08\uc735\uc790\uc0b0\uc758 \uacfc\uc138 \uc2dc\uc810\uacfc \uac74\ubcf4 \uc0b0\uc815 \uc2dc\uc810\uc774 \uc77c\uce58\ud558\uc9c0 \uc54a\uc544 \uc2e4\uc81c \ubd80\ub2f4\uc774 \ud574\ub9c8\ub2e4 \ub2ec\ub77c\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9<\/h2>\n<p>\uc740\ud1f4\uc790\ub294 \uc18c\ub4dd\uc774 \uc0ac\ub77c\uc9c0\ub294 \uc21c\uac04 \uac74\ubcf4\ub8cc\uac00 \uc904\uc5b4\ub4e4 \uac83\uc774\ub77c\ub294 \uc9c1\uad00\uc801 \uae30\ub300\ub97c \ubc84\ub824\uc57c \ud55c\ub2e4. \uc81c\ub3c4\ub294 \uc7ac\uc0b0\uc744 &#8216;\uc7a0\uc7ac\uc801 \uc18c\ub4dd&#8217;\uc73c\ub85c \ubcf4\uae30 \ub54c\ubb38\uc5d0 \ube44\uc720\ub3d9 \uc790\uc0b0 \ubcf4\uc720\uc790\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \ubcf4\ud5d8\ub8cc \uc0c1\uc2b9\uc744 \uacbd\ud5d8\ud560 \uc218 \uc788\ub2e4. \ub530\ub77c\uc11c \uc740\ud1f4 \uc804 \uc7ac\uc0b0\uc138 \uacfc\ud45c, \uacf5\uc2dc\uac00\uaca9, \uc5f0\uae08 \uc218\uae09 \uc2dc\uc810 \ub4f1\uc744 \ud3ec\ud568\ud55c \ud1b5\ud569 \uc2dc\ubbac\ub808\uc774\uc158\uc774 \ud544\uc218\uc801\uc774\ub2e4.<\/p>\n<p>\uc2e4\uc9c8\uc801 \ubc29\uc5b4 \uc218\ub2e8\uc73c\ub85c\ub294 \uc784\uc758\uacc4\uc18d\uac00\uc785(\ud1f4\uc9c1 \ud6c4 2\uac1c\uc6d4 \uc774\ub0b4 \uc2e0\uccad), \uae08\uc735\uc18c\ub4dd \ub9cc\uae30 \ubd84\uc0b0, \ubc30\uc6b0\uc790 \uac04 \uc18c\ub4dd \uad6c\uc870 \uc870\uc815, \uacf5\ub2e8 \ubaa8\uc758\uacc4\uc0b0 \ud65c\uc6a9 \ub4f1\uc774 \uc788\ub2e4. \uc815\ucc45\uc801 \uac1c\uc120\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uac1c\ubcc4 \uac00\uad6c\uc758 \ud2b9\uc131\uc5d0 \ub530\ub77c \ubd80\ub2f4 \ucc28\uc774\ub294 \ud06c\ubbc0\ub85c \uac1c\uc778\ubcc4 \uc0ac\uc804 \uc900\ube44\uc640 \uc804\ubb38 \uc0c1\ub2f4\uc774 \uad8c\uc7a5\ub41c\ub2e4.<\/p>\n<h2>\ucd9c\ucc98<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.fnnews.com\/news\/202602051402216242\" target=\"_blank\" rel=\"noopener\">\ud30c\uc774\ub0b8\uc15c\ub274\uc2a4(\uc5b8\ub860)<\/a><\/li>\n<li><a href=\"https:\/\/www.nhis.or.kr\" target=\"_blank\" rel=\"noopener\">\uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8(\uacf5\uc2dd)<\/a><\/li>\n<li><a href=\"https:\/\/www.nh100.or.kr\" target=\"_blank\" rel=\"noopener\">NH\ud22c\uc790\uc99d\uad8c 100\uc138\uc2dc\ub300\uc5f0\uad6c\uc18c(\uc5f0\uad6c\uae30\uad00)<\/a><\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\ud575\uc2ec \uc694\uc57d \uc740\ud1f4\uc640 \ub3d9\uc2dc\uc5d0 \uc9c1\uc7a5\uac00\uc785\uc790\uc5d0\uc11c \uc9c0\uc5ed\uac00\uc785\uc790\ub85c \uc804\ud658\ub418\uba74 \uac74\uac15\ubcf4\ud5d8 \uc0b0\uc815 \ubc29\uc2dd\uc774 \ubc14\ub00c\uc5b4, \uc18c\ub4dd\uc774 \uc5c6\ub354\ub77c\ub3c4 \ubcf4\uc720 \uc7ac\uc0b0\uc744 \uc6d4 \uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ud574 \ubcf4\ud5d8\ub8cc\uac00 \ubd80\uacfc\ub41c\ub2e4. 2026\ub144 \uae30\uc900 \ubcf4\ud5d8\ub8cc\uc728\uc740 7.19%\ub85c \uc778\uc0c1\ub41c \uac00\uc6b4\ub370, \uc11c\uc6b8 \uc2dc\uc138 15\uc5b5(\uacf5\uc2dc\uac00 10\uc5b5) \uc544\ud30c\ud2b8 \ubcf4\uc720 58\uc138 \uc740\ud1f4\uc790\ub294 \uc6d4 18\ub9cc~23\ub9cc\uc6d0\uc758 \uac74\ubcf4\ub8cc \uace0\uc9c0\uc11c\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4. \uc9c1\uc7a5 \uc2dc\uc808 \ubcf8\uc778 \ubd80\ub2f4(\uc6d4 14\ub9cc3800\uc6d0)\ubcf4\ub2e4 \uc624\ud788\ub824 \ubd80\ub2f4\uc774 \ucee4\uc838 \uc5f0\uac04 60\ub9cc~80\ub9cc\uc6d0\uc774 \ucd94\uac00\ub420 \uc218 \uc788\ub2e4. \uc81c\ub3c4\uc0c1 &#8230; <a title=\"\uc6d4\uae09\uc740 0\uc6d0\uc778\ub370 \uac74\ubcf4\ub8cc 23\ub9cc\uc6d0, \ub9d0\uc774 \ub3fc\uc694?\u202615\uc5b5 \uc544\ud30c\ud2b8 \ud1f4\uc9c1\uc790\uc758 &#8216;\ucc29\uac01&#8217;\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/retiree-health-insurance-230k\/\" aria-label=\"\uc6d4\uae09\uc740 0\uc6d0\uc778\ub370 \uac74\ubcf4\ub8cc 23\ub9cc\uc6d0, \ub9d0\uc774 \ub3fc\uc694?\u202615\uc5b5 \uc544\ud30c\ud2b8 \ud1f4\uc9c1\uc790\uc758 &#8216;\ucc29\uac01&#8217;\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":8866,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\uc6d4\uae09\uc740 0\uc6d0\uc778\ub370 \uac74\ubcf4\ub8cc 23\ub9cc\uc6d0, \ub9d0\uc774 \ub3fc\uc694? \u2014 \ud30c\uc774\ub0b8\uc15c\ub274\uc2a4","rank_math_description":"\uc740\ud1f4\ud558\uba74 \ubcf4\ud5d8\ub8cc\uac00 \uc65c \uc624\ub97c\uae4c? \uc9c1\uc7a5\uac00\uc785\uc790\u2192\uc9c0\uc5ed\uac00\uc785\uc790 \uc804\ud658 \uc2dc \uc7ac\uc0b0\uc774 \uc6d4\uc18c\ub4dd\uc73c\ub85c \ud658\uc0b0\ub3fc \uac74\ubcf4\ub8cc\uac00 \uc99d\uac00\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uacfc 15\uc5b5 \uc544\ud30c\ud2b8 \uc0ac\ub840, \uc2e4\ubb34\uc801 \ub300\uc751\ucc45\uc744 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.","rank_math_focus_keyword":"\uac74\ubcf4\ub8cc,\uc9c0\uc5ed\uac00\uc785\uc790,\ud53c\ubd80\uc591\uc790,\uc740\ud1f4,\uc784\uc758\uacc4\uc18d\uac00\uc785","footnotes":""},"categories":[2],"tags":[],"class_list":["post-8871","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\/8871","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=8871"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/8871\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/8866"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=8871"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=8871"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=8871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}