This year 's health insurance budget shows a deficit of more than 3 trillion won, and it is predicted that it will record a deficit for the sixth consecutive year until 2023.

However, the cumulative reserve is estimated to exceed 20 trillion won as of April this year, and the cumulative balance is expected to maintain a surplus of more than 10 trillion won in 2023.

Health insurance has already passed the surplus for seven consecutive years due to the full implementation of the guarantee policy called "MoonJin In Care" and the increase in medical expenses for the elderly due to the rapid aging of the population.

According to the Ministry of Health and Welfare (MOHW) on February 22, the first National Health Insurance Comprehensive Plan (2019-223), which covers the mid- and long-term vision of health insurance policies and directions to be implemented from this year to 2023, I have a prospect that I will record it.

To reduce the burden of the national medical expenditure, it is the result of the increase in spending due to the step-by-step promotion of the measures to strengthen the health insurance protection implemented in August 2017, and the income situation including insurance premiums and government subsidies.

The comprehensive plan came out in April with the first court plan based on the National Health Insurance Act.

Financial forecasts show that the balance of health insurance, which recorded a deficit of KRW 178.8 billion in 2018, will reach KRW 3,136.6 billion in 2019, KRW 2,720 billion in 2020, KRW 1,679 billion in 2021, KRW 1,620 in 2022 It is expected to show a continuous deficit of KRW 877 billion in 2023 and KRW 868.1 billion in 2023.

This deficit of the current account is a preview.

This is because the expenditure is more than the income, such as the increase in the amount of money paid to the insurance benefit while the caregiver carries out the health insurance for the uninsured medical treatment that the patient paid for in full.

It is a 'planned deficit'.

In order to strengthen health insurance, the government has already announced plans to implement the NHIC 's fiscal policy, which will spend 1 trillion won to 1.2 trillion won in NHIC for five years from last year to 2022.

After the announcement of measures to strengthen health insurance, the government implemented the follow-up measures such as the abolition of selective treatment, the application of health insurance for high-grade wards (2 or 3 persons), MRI (magnetic resonance imaging) and ultrasound.

According to the Ministry of Health and Welfare, the total amount of family medical expenses reduced by April 2, the second anniversary of the implementation of measures to strengthen the health insurance protection measures, totaled 2.20 trillion won, and the total number of beneficiaries reached 36 million.

The government will continue to implement the remaining tasks and will apply all health insurance to non-payment of essential fields such as spinal diseases (2020), musculoskeletal (2021) MRI, thoracic and cardiac (2020) ultrasonics.

The government plans to raise the health insurance coverage rate from 62.7% (2017) to 70.0% (2023).

The guarantee rate is the ratio of the salary paid by the NHIC to the total medical expenses.

If you expand the scope of coverage, you will incur a deficit because you will incur a higher outlay on insurance benefits than your incoming income.

The Ministry of Health and Welfare announced that the cumulative surplus of 20.595 trillion won in 2018 will reach 17.4 trillion won in 2019, 14.74 trillion won in 2020, 13.6 trillion won in 2021, 2022 And the number of people in the world is expected to decline to 11,808.7 billion won in 2023.

The current account balance is in the red, but it is in compliance with the originally planned fiscal management goal, such as maintaining the accumulated health insurance premium of over KRW 10 trillion even after 2023, when the first health insurance comprehensive plan ends,

(Photo: Yonhap News)