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- Title
從人口老化及薪資停滯角度探討 全民健保財務及保費負擔世代分配問題.
- Authors
梁景洋; 韓幸紋
- Abstract
Rapid population aging and wage stagnation among young people have negatively affected the finances of the National Health Insurance (NHI) program as well as exacerbated intergenerational inequality in Taiwan. In this study, population aging and wage stagnation were included in the model to estimate premium bases and benefit payments, which were then used to calculate the balance of payment rates and intergenerational premium burdens of NHI. Given the general premium rate without the rate ceiling of 6% and an estimated scenario with moderate population projection and moderate negotiated budget growth, the current 4.69% premium rate of the NHI would rise to 12.28% in 2041, and the rate would be higher for people born in later years. To mitigate the negative effects of population aging and wage stagnation that disproportionately impose the financial burden of paying NHI premiums on younger generations and eliminate the intergenerational inequality in NHI, reforms are necessary that implement a revenue-payment-linked mechanism, adjust the premium bases, and accurately determine financial responsibilities. This study is expected to provide a reference for efforts to reform the NHI program’s financial structure.
- Subjects
TAIWAN; NATIONAL health insurance; HEALTH insurance finance; POPULATION forecasting; BALANCE of payments; POPULATION aging
- Publication
Taiwan Economic Forecast & Policy, 2020, Vol 51, Issue 1, p57
- ISSN
1729-8849
- Publication type
Article