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홍차넷
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티타임
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- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
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전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 15/12/22 19:12:08 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 |
| Name | Beer Inside |
| Subject | 건강보험은 과연 언제까지 유지될 수 있을까? |
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월급날에는 다들 월급 명세서를 볼 겁니다. 월급 명세서에는 각종 공제되는 돈이 세금말고도 여러가지가 있는데, 그 중 하나는 건강보험입니다. 건강보험료는 2016년 기준으로 보수월액(월급의 개념입니다.)의 6.07%를 매월 부담하게 됩니다. 세전 월급이 200만원이라면 대략 개인이 6만원, 회사가 6만원 도합 월 12만원을 부담하는 것입니다. 미국에 사는 사람들은 얼마나 건강보험료를 지불하는지는 보장되는 범위에 따라 다르지만 대략 월 400-500달러 수준으로 지불하는 것 같습니다. (미국의 의료보험은 한국의 자동차보험처럼 보장범위와 위험도에 따라서 건강보험료를 책정하지 소득에 따라서 건강보험을 책정하지는 않습니다. 보장이 되는 분야가 많으면 더 많이 낼겁니다. 월 1000달러씩 내는 사람도 있고 치과보험은 별도이니까요. ) 얼핏 보면 많아보이지만, 미국은 GNP가 대략 5만달러에 달하는 나라입니다. 그러니 보험료가 두배가 넘어도 이상하지가 않습니다. 거기에 미국은 본인 부담금이 한국처럼 반드시 발생하는 구조도 아닙니다. 소득이 높아져서 연봉 1억이면 월 50만원을 부담하게 되는데, 이 정도로 건강보험료를 내면 미국이 부럽지 않은 수준이지요. 여기에 본인부담금까지 보장받기 위해서 실손보험까지 가입한다면 좀 많이 낼겁니다. 물론 우리나라의 건강보험제도는 좋은 점이 있습니다. 미국의 건강보험제도는 보험료를 납부할 수 없는 여건이 되면 보험으로 치료를 받을 수 없지만, 우리나라는 강제가입이기 때문에 보험으로 치료를 받을 수 있습니다. 실제로 병이 들면 소득이 줄어들기 때문에 한국의 건강보험이 가지는 좋은점이라고 볼 수 있지요. 하지만 본인 부담금제도가 있기 때문에 보험료를 납부할 수 없는 여건이 되면 본인부담금을 낼 돈도 없을 가능성이 높지요. (그래서 경기가 둔화되면 건강보험은 흑자가 납니다. 돈이 없어서 병원에 못가는 사람이 늘어나기 때문이지요) 이 건강보험은 매년 요률을 결정해서 인상합니다. (인하는 될리가 없지요. 보통 한국은행이 보는 물가상승률 보다 못하게 인상됩니다.) 이 건강보험이 매년 1.0~1.5%사이에서 인상이 됩니다. 이런 식으로 향후 10년간 평균 1.3%씩 인상이 되면 10년후에는 소득의 7%까지 인상이 됩니다. 대략 2050년 이전에 소득의 10%에 가까운 돈을 건강보험으로 지불하게 됩니다. (2050년 이후는 생각하지 말아요. 이 글을 읽는 대부분의 사람은 그 때 쯤이면 소득이 없을겁니다.) 소득의 10%라면 적지 않은 돈입니다. (부가가치세가 10%인데 아주 높은 확률로 정권이 바뀌기전에 15%나 12.5%로 바뀔것이라 봅니다. ) 여기에 매 선거마다 정치인들이 건강보험으로 뭐든지 다 해줄것이라고 외칩니다. (노령화가 가속화되고 있으니 얼마나 기쁜 말이겠습니까?) 전 국민의 건강정보를 비자발적으로 수집하게 해주는 건강검진도 더 자세히 해 줄것이라고 하고, (건강검진이 과연 효과적인지, 효과적이면 세계에서 건강검진을 국가적으로 하는 나라는 몇개가 있는지에 대해서는 다른 분이...) 돈 내놓으라는 소리만 하는 병원에 돈을 내지 않게 해 주겠다고 외칩니다. 하지만 세상에 공짜는 없고, 이런 정치인들이 늘어나면 결국 건강보험요률은 더욱더 인상이 되게 됩니다. (뭐 대한민국경제가 고성장을 거듭하면 소득의 증가만으로도 건강보험은 인상하지 않아도 됩니다. 쉽게 말해서 '증세 없는 복지'가 되는 것 입니다. 'Symptomless welfare는 아닙니다.') 그러면 소득의 10%를 건강보험으로 내는 날이 더 빨리 다가오겠지요. 과연 소득의 10%를 건강보험이 차지하는 것을 용인하는 날이 올까요. 아니면 그 전에 건강보험은 붕괴할까요. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 0 이 게시판에 등록된 Beer Inside님의 최근 게시물
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26007 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
26007 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
26007'> Toby
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
15/12/22 19:16
26007>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
제 앞으로도 매달 두자리수의 보험료를 내고 있네요.
아내 보험, 아들 보험까지 합치면 금액이 상당하구요.
그냥 건보료를 좀 많이 내더라도 사보험 안들 수 있도록 되었으면 좋겠습니다.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
아내 보험, 아들 보험까지 합치면 금액이 상당하구요.
그냥 건보료를 좀 많이 내더라도 사보험 안들 수 있도록 되었으면 좋겠습니다.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
26007>
26007>
