全民健保的實施改變了傳統的藥品通路，使得藥品市場逐漸集中於醫院，而醫療院所為因應總額支付的政策，降低營運成本，因而有逐漸結盟經營的趨勢。為滿足市場導向的藥品供應鏈需求，本研究探討自全民健保1995年實施後，藥品通路的變革對藥品供應鏈所造成的影響，並藉由個案探討以及理論分析，探討藥品供應鏈e化之趨勢，以歸納出一個藥品供應鏈e化可行模式，供政府機關、醫療院所、藥商及物流商在藥品供應鏈之流程中作為參考。 本研究認為藥品供應鏈應從分散管理改為集中管理，並藉由具有公信力的中央健保局，配合資訊科技協助藥品供應鏈e化，以讓藥品資訊可以有效的流通被利用。透過以以中央健保局為中心的藥品供應鏈模式，可以讓各個產業專業分工的成效更明顯，其具有下列益處： 一、以量制價統一配銷 二、降低醫療院所藥品存貨 三、簡化健保給付流程 四、藥品資訊有效利用 五、幫助醫藥分類落實 　　此外，本研究亦針對此模式下之藥品供應鏈提出初步實施規劃如下： 一、從公立體系醫院興辦 二、選擇量大且較常使用的健保給付藥品 三、彈性的配送頻率 四、資訊流與金流的整合 五、由中央健保局協助資訊商建立藥品供應鏈e化平台 透過本研究所提出之藥品供應鏈之e化模式及流程，本研究期望能加速藥品供應鏈集中管理之機制形成，以幫助醫藥產業降低藥品流通的成本並落實醫藥分業。 / This paper examines the condition of Taiwanese National Health Insurance (NHI) and brings up the idea of the centralizd management. Since Taiwan put the NHI into practice, Drug Price Black-Hole of the NHI has estimated about 20 billion every year under the fee-for-service payment system (FFS) and pricing drug with brand. Therefore, we collect the papers and some cases to discuss the situation of the Drug Supply Chain in Taiwan. We would like to understand how to descrease the drug cost in purchasing and distributing by this paper. This paper makes use of Value Chain, Diamond Theory, New Value Curve to analyze the Drug Supply Chain in Taiwan and proposes the model and process to direct the industry how to developing the Drug Supply Chain by certralized management. The Drug Supply Chain of certralized management can provide some benefit as following: 1. Purchase jointly to reach economies of scale 2. Simplify the reporting process 3. Effectively use the information of the drugs 4. Utilize the distributed process by jointly delivery 5. Help the separation profession of pharmacy from medicine to implement Besides, this paper proposes the initial plan about the Drug Supply Chain of certralized management as following: 1.Begin with governmental hospitals. 2. Select large amount of the drugs of NHI. 3. Provide flexible frequency of distribution. 4. Intergrate the information flow and cash flow. 5. Bureau of National Health Insurance (BNHI) supports the Internet Servie provider (ISP) to build the platform of the Drug Supply Chain. Our main goal is to adapt this kind of model to help NHI overcome financial crisis by jointly purchasing and distributing, simplifying the process of reporting and help the separation profession of pharmacy from medicine.

現行全民健保制度造成了醫療支出快速上漲及實際運作上的資源扭曲，要解決這樣的現象，除了必須要瞭解造成醫療支出上漲的原因外，更應該進一步探討型塑此現象背後更深層的因素，除了民眾不當使用醫療資源外，醫療專業浮濫申報費用、舞弊造假、濫用醫療資源、提供不適當的診療等行為，不但造成保險體系的財務危機，也腐蝕了醫療專業的道德基礎。醫療費用支付制度創造了誘因結構，塑造醫療提供者行為，影響醫療成本與品質，對醫療保險體系運作的重要性不言可喻。因此，本研究目的首先針對現行全民健康保險所採取之醫療費用支付制度內涵進行瞭解，並分析醫療費用支付制度與全民健保醫療費用上漲之間的關聯性；其次探討現行醫療費用支付制度下的哪些不當誘因，將引發醫療專業產生代理問題的現象。 經由文獻檢閱與深度訪談等研究方法，本研究發現：（一）全民健保費用支付制度設計的不當確實導致了醫療費用上漲，此現象的出現可歸咎於醫療提供者誘發醫療需求，與民眾不當就醫文化而導致醫療資源浪費；（二）現行醫療費用支付制度引發醫療專業代理問題的不當誘因，經作者歸類如下：（1）支付制度的不完善塑造了醫療專業自利行為、（2）現行支付制度使醫療提供者不必承擔民眾健康之責、（3）醫療「專業門檻」間接造成專業代理問題的產生。 最後，針對醫療費用支付制度設計以控制醫療費用上漲的問題，作者認為支付制度的改革必須朝向大幅降低使用論量計酬方式，並且贊同總額支付制度漸進實施、貫徹落實。就醫療費用支付制度誘因結構改進方面，作者則建議可從尊重醫療專業、加強醫療倫理教育，及在健保制度中適度引進市場機制等面向上著手。期待藉由全民健保醫療費用支付制度的「再造」改善醫療專業代理問題，輔以強化醫療專業倫理精神，成為修正整體制度的動力來源，使全民健保更趨完善。

21世紀是經濟繁榮及醫療科技進步的時代，世界各國面對人口結構快速老化、生命延長、慢性疾病遽增，及流感與疾病的可快速傳播，使世界衛生組織的功能逐漸受到重視。台灣各級醫院的病床幾乎都是急性病床，植物人在健保醫療照護體系中，被歸屬於慢性病非重大傷病，並無特殊的減免醫療支出與補助，僅提供慢性病床及有限的居家護理給付。我國自實施全民健保以來，減輕了許多急重症病患家庭的醫療支出，但健保收入在政治因素的介入下，永遠跟不上醫療支出；且健保局預估今（2009）年收支短絀約320多億(健保局，2008)。不免讓我們憂心未來醫療資源的可能枯竭，加上植物人在病情穩定後即需出院，無法長期留在醫院受專業及妥適的照顧，使得植物人照顧家庭在精神及經濟層面更是雪上加霜陷入困頓。為此，內政、社福、衛生等行政部門，實需積極整合介力協助；如此或可與先進國家的長照體系接軌，使植物人照護得到兼具專業、人性與尊嚴的照應。 本研究採用質性研究中的深入訪談法，以台北縣市植物人照顧家庭的12位家屬為訪談對象，以深入探討都會地區照顧家屬難兼具照顧及就業。照顧者是無酬勞的工作，易在身心俱疲下陷於下一個被犧牲者的情境，植物人家庭對植物人照料與甦醒期待及照顧過程裡對自我生命成長價值觀。訪談所得資料，經歸納、分析所得研究結果: 都會地區家庭結構的轉變，使得家庭照護人力不足，何況目前尚無新醫療可預測植物人何時甦醒，況且頭部病變照顧已久植物人再甦醒的機會很渺茫。大台北地區雙薪家庭聘請外籍看護工的型態，確實讓蠟燭兩頭燒的雙薪家庭，減輕了部份照顧人力不足及精神壓力負擔，但此終究非長久之計。但是，如何讓受照顧的植物人，享有品質的醫療與照護，從而體現生命之尊嚴與國家、社會照護、互助的價值，這正是長照體系建立刻不容緩。或許在可預見的將來，因著教育及社會觀念的轉化，我們可以欣然接受安樂死或推行生前醫療契約，坦然接受自己或家人在面對需要長期療護，特別是可能造成植物人情況的事前自在選擇。所以，如何建構可長可久且結合醫療、勞工、社福用以嘉惠老人及植物人之機構，是政府在拼經濟、擴大內需建設及增加就業，不可不亟力擘劃貫徹的重大議題。但這需要政府與民間一起攜手打造，使台灣寶島實現老吾老以及人之老的平和尊嚴人生之樂土。 本研究依據研究結果，提一些建議：一、對家庭之建議：均衡飲食、養成運動習慣、強化家庭生命共同體。二、對醫療團隊：建立醫院網頁、建構植物人疾病成因及預防之道、社工諮商團隊協助家庭以落實社區長期照護系統。三、對學校建議：課程加入生死學課程、強化衛教觀念及基本照顧方式、培養怡情興趣、學習紓解壓力。四、對政府的建議：政府各部會平台資訊聯結化、行政作業單一窗口化、政策宣導口語化、政策推行離島實施而後推廣至全國，應快速實施長期照護系統。 關鍵字：全民健保、植物人、長期照護、安樂死、生前醫療契約 / The 21st century is a time of economic prosperity and technological advancement. However, the world is facing challenges from the problems of the rapidly aging population, increasing longevity, the surging of chronic disease, in addition to epidemics and flues spreading faster then before. Most hospital beds in Taiwan are considered to be “acute hospital beds”, where vegetative patients are considered by the National Health Insurance to be suffering from a chronic disease and not as major illness/injury. There is no extra medical subsidy for these vegetative patients, and only limited payments for home care. Unfortunately, due to the inefficient funding for health insurance, we are concerned that medical resources might become exhausted in the future. Also, a vegetated patient is required to leave the hospital whenever his or her condition becomes stable. They are unable to remain in the hospital for long-term and professional care, which causes the families with vegetated patients to suffer emotionally and economically. Thus, studying ways for vegetated patients to obtain more professional, human, and dignified care is an important issue worthy of research. This study uses an in-depth interview method from quantitative research. 12 families with vegetative patients in Taipei County are the subjects of the interview. In-depth discussions are conducted on the difficulties for families who take care of a vegetative patient, and who have employment in the urban area. The information obtained was categorized and analyzed. 1. Nursing manpower insufficiency Due to the shifting of family structure in the urban area, there are not enough people in the family to take care of the vegetated patient. It is not possible to predict when a medical breakthrough will enable the patient to regain consciousness. Moreover, there is only a slight chance a vegetated patient suffering from head trauma for a long period of time can be revived again. 2. Dependence on foreign nurse aides By hiring foreign nurse aids, the dual-earner families in the Taipei metro area are able to get relief from the burden of caring for a vegetative patient. However, it is not a long-term solution. 3. The need for long-term care. Therefore, it is very important to construct a long-term care system for the vegetated patient to be able to receive quality medical care. Furthermore, Taiwan will benefit from showing respect for life, the importance of social care, and the value of helping each other. 4. Trying new concepts. Perhaps in the foreseeable future, we will accept things such as euthanasia or pre-paid medical contracts due to the changes in education and social attitudes. We might accept that one of our family members might be facing long-term care in the future, so any one of us is able to make arrangements before an unforeseen accident or illness results in becoming a vegetated patient. 5. Co-operation between the government and the people. This is an important issue for the method of constructing a long-lasting system that can combine medicine, labor, social welfare, and benefits for senior citizens and vegetated patients. However, it will take the cooperation of both government and the people to make Taiwan into a peaceful land that will respect their elders and respect life. Some suggestions have been developed as a result of this study: 1. suggestions to families: a balanced diet, exercise regularly, and strengthen the unity between family members. 2. suggestions to the medical team: develop hospital websites, prevent diseases that can cause vegetation, and the social worker consulting team should help families to implement a long-term community care system. 3. Suggestions to schools: add life and death lessons into the school’s curriculum, reinforce the concept of health education and a basic caring method, as well as increase community service, and teach methods for relieving stress. 4. Suggestions to the government: linking information by using a single window to handle all processes, use colloquial language for promoting policies, the policies should first be implemented in off-shore islands before being used in the main island, implement a long-term care system, and provide subsidies to those who hire domestic nurse aids. Keyword： National Health Insurance, Vegetative, Long-Term care, Home care, Euthanasia, Pre-paid medical contract

全民健保醫療給付範圍的相關決策缺乏資訊公開性與參與性，引發許多醫療給付的糾紛案件，加上醫療資源有限，醫療需求隨國內人口平均餘命提升而增加，醫療資源優先配置的問題更顯其重要性。本研究建立一個合理的醫療資源優先配置決策程序評估架構，以改善目前國內資源優先配置決策程序，使用Daniels & Sabin(1997)所提出的「要求合理性的課則」（Accountability for Reasonableness）作為評估架構的主要構面，採用文獻分析法與層級分析法建構出一個完整的評估架構並且比較指標間的相互權重，接著使用深度訪談法試圖探索評估指標相對權重背後所代表的意涵。研究結果顯示醫事團體代表強調相關性與決策修正機會，政府代表則注重公開性與執行力，兩者對於醫療資源優先配置決策程序的期待有相當大的落差。基於研究發現，本研究主張應該增加協商機會以減少決策成員間的認知落差，帶動社會大眾對於資源優先配置的認識與參與，並針對目前決策程序的公開性、相關性、決策修正機會與執行力進行改善。 / The lack of information publicity and participation in the payment system of National Health Insurance (NHI) in Taiwan has been a critical issue. Besides numerous insurance payment disputations, the limited health resources and increasing health demand all call for an immediate solution to the problem of health resource priority setting in NHI.. This study aims to establish a systemic evaluative framework to improve on the health resources priority settings. In answer to the need, analytical hierarchy process and in-depth interviews have been conducted to develop a framework based on Accountability for Reasonableness. Qualitative and quantitative analysis of the surveys indicate some criteria and the meaning of the relative weight of each criterion. The results show a discrepancy between the governmental representatives and the healthcare organization ones on the expectation of health resources priority settings. The former focus on relevance, revision and appeals while the latter emphasize publicity and enforcement. According to the findings, this study suggests that an increase of negotiation is necessary to eliminate the discrepancy between the two groups. The government also need to introduce the public the idea of health resources priority settings and to modify the current procedure based on the four factors in Accountability for Reasonableness.

本文主要運用博奕理論，分析全民健保法中各涉入者的議價行為，包括政黨及利益團體兩個層次之互動。主要探討下列問題：1、瞭解議價行為之動態賽局結構。2、參與者如何運用策略及其資源，以達到其偏好的理想點。3、如何透過議價來調節分歧的利益，規避社會衝突。4、如何透過理性的計算，如移動、反制、反反制的過程，達柏雷圖邊界。 第一章說明研究範圍與方法，及本文研究架構等。 第二章為理論基礎，先對傳統博奕理論提出修正，再介紹本文所採用之移動理論。 第三章說明本研究範圍內之行為者的立場、偏好等，並採二階賽局之觀點對兩層次之行為者的互動做一分析。 第四章把健保法立法過程依重要事件分為三段，分別運用賽局結 構分析其議價過程與結果。 第五章在針對第四章之均衡結果提出更進一步之分析，以康多賽贏家、中間選民定理、空間理論等來分析議題之社會選擇結果。 第六章提出研究限制和檢討，及本文結論。 / In the thesis , the author use game theory to analysis thebargaining behavior of the actors,including political parties and interest groups,in the Nationl Health Care Law-making. The purpose of this thesis contains four points.First of all,to figure out the structure of bargaining game.Second,how does the actors use their strategies and resourse to reach their ideal point.Third,how does the bargaining goes to come to an agreement, and avoid social conflict.forth and last,how can the rational actors use their strategies like move,counter-move,even counter counter-move to reach Pareto frontier.

近年來，隨著我國國民的壽命持續增長，人口老化愈加明顯。預期臺灣在2021年將進入人口零成長，2025年65歲以上人口比例也將超過20%（來源：國家發展委員會2014年人口推估）。人口老化帶來許多問題，如老年生活、醫療、以及長期照顧等需求，其中照顧需求與年齡正相關，預期需求將隨壽命延長而增加，需要及早規劃及因應，這也是今年通過長期照護法的原因。由於各國國情不同，對於長期照護的定義、補助及需求也不盡相同，有必要發展適用於臺灣特性的，推估長期照顧需求的所需之資源。重大傷病中的許多疾病與失能、甚至長期照護有關，由於全民健保實施至今已逾20年，重大傷病的認定標準及程序相對客觀、中立，受到民眾、學術、政府各界肯定。 有鑑於此，本文以全民健保資料庫的重大傷病資料庫為基礎，挑選八類引發長照的重大傷病，作為規劃長期照護保險的參考。本文以這些傷病的發生率、罹病後死亡率、罹病後存活率等，結合國發會所人口推估的結果，利用年輪組成法(Cohort Component Method)推估長期照顧的未來需求。研究發現：未來需求人口從2013年約10萬人，迅速增加至2060年的21萬人，增加速度相當快。而參考「長期照顧保險法」草案的給付內容，若聘請一名外籍看護每月20,000元計算，每人分擔將從2012年的$530元/月升至2060年的2,728元/月；若不調整保費且以隨收隨付計算，每人每月繳交400元長照保費，長照給付將從2012年每月13,353元降至2060年每月3,556元，由此可知壽命延長、人口老化將造成長照保險的財務問題。另外，本文考量的八項重大傷病較為保守，沒有加入老化、遺傳等因素的長照需求，預期將不足以因應實際需求，未來有必要引入商業保險來彌補社會保險的不足。 / In recent years, with the sustainable growth of the life expectancy in our country, population aging becomes more apparent. Taiwan’s population of ages 65 and over will exceed 20% within 10 years, before 2025. (Source: National Development Council - Population Projection on 2014). The population aging an prolonging life incurs a big demand for caring the elderly, such as the economic need after the retirement, medical cost, and long-term care. Among these needs, the demand of long term care was under-estimated and is only recognized recently. Thus, this study focuses on predicting the need of long-term care in Taiwan. Specifically, the definition and standard (as well as types and amounts of subsidy) for juding whether one needs long-terma care is not yet determined, although Taiwan’s government passed the long-term care law (Long-Term Care Insurance Law) earlier this year. We should adapt the notion of catastrophic illness (CI) and use certain CI categories, which are related to long-term care, to design the long-term care insurance. Catastrophic illness (CI) is one of the key features of Taiwan’s National Health Insurance (NHI), and the definition and process of evaluating if one is with the CI is quite complete. We choose eight categories of CI and use the NHI database to obtain their incidence rates, mortality rates, and survival probability. Together with the population projection from National Development Council in 2014 and the cohort component method to predict the long-term care demand in Taiwan. The syudy result shows that the population needing long-term care will rise from about 100 thousands in 2013 to about 210 thousands in 2060. Moreover, if the long-term care insurance is funded via pay-as-you-go, the individual premium required will rise 5 times from 2012 to 2060. This indicates that the long-term care might be too expensive and the commercial insurance can play an important role as a supplement.

全球每日產出的資料量持續成長，龐大的資料量、雜亂的資料檔案格式造成資料處理的困難；此外，全球智慧型手機的出貨量持續上升，未來將會至少人手一台行動裝置，同時行動網路的效能提升將可負荷更多的資料流量，行動工作者的數量也因此逐年增加。對商業智慧系統而言，透過企業資料的分析可以發現資訊之間的關連與隱藏其中的事實，讓使用者掌握更多的知識用於決策，分析的資料來源越豐富，其可提供做為決策用的訊息就更為準確。 　　過往商業智慧透過關聯式資料庫處理資料來源及電子郵件的通知使用者，但是龐大的巨量資料遠超過前者所能有效處理的數量，進而造成對資料擷取、保存、使用、分享以及分析時的處理難度；後者對於外出的使用者來說，電子郵件僅只是收到通知而已，使用者依然得需要電腦才能觀看分析報表。 　　故本研究使用雲端運算分散儲存及運算的技術及行動裝置隨手可得的特性解決前述的兩個問題，先透過雲端資料庫加速處理巨量資料的存取並製作成資料倉儲供商業智慧使用，接著透過行動應用程式即時接收推播訊息並呈現分析報表於行動裝置上。 　　在實作中，利用非結構化資料庫進行資料的存取，比起過往的關聯式資料庫確實可以有效提升巨量資料處理的速度；透過行動裝置的報表呈現，在平板電腦有較佳的成效，在手機上則是因為螢幕大小的關係，畫面呈現效果較差，這方面則有待改善。 　　本研究透過非結構化資料庫及行動應用程式設計新的行動商業智慧解決方案，實作雛型系統，並且透過異常申報健保費用醫院為案例，進行系統整體的測試，證明其架構及運作模式之可行性。經過驗證，本系統將能提供使用者使用巨量資料做為分析數據，並且透過行動應用程式立即取得分析報表。 / The volume of daily output data continues to grow world- widely. The huge amount of data and the disorder of data format cause the difficulty of data processing. Additionally, the number of smartphone sales is continuously growing, so everyone will own at least one smartphone in the future. In the meantime, the effectiveness of mobile internet and wireless is largely improved, so it can be loaded with more data flow. Because of this phenomenon, the number of mobile workers will be increasing per year. For business intelligence systems, through the analysis of enterprise's data we can find the relevance and facts hidden in information, allowing users to acquire more knowledge for decision-making. The more data sources we analyze, the more accurate information can be used to make decision. 　　In the past, business intelligence processes data sources through relational database and uses e-mail to notify users. However, the huge amount of data exceeds the number that can be effectively processed by relational database. On account of this, it becomes difficult regarding data acquisition, storage, application, sharing, and analysis. As far as the users are concerned, they only receive notifications by emails, so they still need a computer to view the analysis report. 　　In this study, I use cloud computing technology and mobile devices to solve the two aforementioned issues. First, we speed up the process of big data in data acquisition through Hadoop Hbase, and made it into data warehouse for Business Intelligence use. Secondly, we use mobile applications to receive push messages instantly and present analysis reports. 　　In the practical work, I use NoSQL database to acquire and store data. Compared with relational database, we can indeed effectively enhance the speed of big data processing. In reports’ presentation on mobile devices, the Tablet has better user experience then the phone. The phone is displayed comparatively poorly because of its small screen. This part needs to be improved. 　　In this research, I conceive a new solution of mobile business intelligence through NoSQL database and mobile applications, and implement this method into a prototype system. Moreover, through an example of the analysis of hospitals which have anomalous health-insurance reporting expenses we can test the whole system. It proves that this system’s structure and the mode of operation are feasible. The system will be able to provide big data as the source of analysis and present reports immediately through mobile devices to users.

重大傷病是我國全民健康保險的重要特色之一，透過社會保險的風險分擔機制，病患享有免部分負擔等優惠，降低因為罹病帶來的財務負擔，但重大傷病同時也成為全民健保的主要支出項目。民國102年領取重大傷病證明者不過98餘萬人（約總人口的4%），但其一年的醫療費用多達一千五百多億元（接近總支出的27%），平均每位重大傷病患者的醫療費用約為平均值的7.34倍，其中癌症又是重大傷病中人數最多者，大約佔了49%（資料來源：衛生福利部中央健康保險署）。因為許多重大傷病的發生率、盛行率與年齡成正比（黃泓智等人，2004），未來隨著人口老化，全民健保支出也將跟著上升。 　　本文使用全民健保資料庫，探討近十年重大傷病（尤其是癌症）趨勢，估計重大傷病的年齡別發生率、死亡率，評估人口老化對全民健保造成的影響，其中承保資料檔（ID）、重大傷病檔（HV）為本研究主要的依據資料。而由於健保資料庫的資料種類及數量龐雜，在初期資料的偵錯及處理上非常重要但也相當費時，至於發生率、死亡與否的判斷亦十分棘手，因此過程中我們將一一說明資料分析步驟及注意事項。本文發現癌症及重大傷病的盛行率逐年上升，但發生率並沒有明顯變化，加上近年癌症死亡率幾乎不變（但台灣全體國民的死亡率逐年遞降），因為台灣的人口老化，預期未來罹患癌症人數會逐年增加，癌症將繼續蟬聯十大死因之首，但罹癌死亡率的下降也可發現近年醫療進步所造成的影響。此外，我們也考量隨機死亡模型（Lee-Carter Model），發現無論是癌症死亡率、或是罹癌死亡率都有不錯的估計結果。而在文末也提出癌症病患的就醫行為以供後續研究者參考。 / Catastrophic illness (CI) is one of the key features of Taiwan’s National Health Insurance (NHI). Through risk-sharing mechanisms of social insurance, it can reduce the financial burden of the CI patients since treating the CI is usually expensive. However, the CI also becomes a major expenditure item of NHI. The people receiving the CI card are just 0.98 million in 2013 (about 4% of the total population), but their smedical costs are over 150 billion NT dollars (nearly 27% of total expenditures). The average medical cost per CI patient is about 7.34 times of the national average. (Source: Department of Health and National Health Insurance Agency). Because the incidence and prevalence rates increase with age (Huang et al, 2004), the total NHI expenditure is expected to increase in the future due to population aging. This study intends to use the NHI database, including the records of personal identification and out-patient visit from all CI patients, to explore the incidence and mortality rates, for example, of CI patients. Because the NHI database is big and messy, we shall first debug and clean them. Also, since the death of CI patients are not fully reported in the NHI database, we propose a method to identify the deaths and use the official statistics to evaluate. The results show that the prevalence rates of all CI increased every year, but their incidence rates did not change significantly. The mortality rates of cancer patients also did not change much. Based on these findings, we expect the proportion of CI patients and their size will continue to grow. In addition, we applied the Lee-Carter model to the cancer mortality rates, and the fit is pretty good.

通常在談論健康照護的公平性時，主要分成垂直公平與水平公平兩種。在健康照護財務面的垂直公平意指有較高所得或經濟能力者，應支付較高的保費；水平公平意指，有相同所得或經濟能力者，應支付相同的保費。在健康照護提供面的垂直公平意為有不同需要者，應有不同的治療；水平公意為有相同需要者，應有相同的治療。然而由於提供面的垂直公平較難界定其程度，故多數學者在提供面僅談水平面，而本研究亦採相同的論點來分析被保險人在保費負擔與其醫療費用支出之公平性問題。 本研究資料係採用鄭文輝教授等在1996、1997年研究之原始資料，包括85年度的健保承保檔、醫療利用紀錄檔及財稅資料中心之綜合所得稅檔。利用逐步迴歸或probit二分法迴歸方式進行保險對象自付保費負擔與其醫療費用支出之間的公平性探討。 本研究實證結果簡述如下： 一、在被保險人自付保費負擔公平性方面，存在違反垂直公平或水平公平的情況，可能之原因如下： 1.投保金額分級表的上下限差距過小，使所得愈高，其保費增加的比例形成累退。 2.在投保金額分級表中每一等級仍有上下限之規定。 3.三類投保金額過低，與其所得分配差異過大。 4.眷口數計費採論口計費，而通常所得愈低，眷口數有愈多的現象，故論口計費將使得所得較低者之保費負擔加重或同樣所得水準者，負擔不相同的保費情形。 5.各類目均適用同一費率，且同一類目之自付比率均相同，無法有效發揮所得重分配效果。 二、個人醫療費用支出的差異及其與保費或所得高低之間的公平性 1.門診費用受到所得因素影響，個人所得愈高，門診費用有愈高的現象；且因為重症而就醫者仍為少數，以其他一般症狀就醫者仍占多數。 2.重症患者或罹患十大死因患者，多以所得較低或保費較低者居多，顯示全民健保的開辦，確實為較低收入者或較弱勢族群減輕就醫上之財務負擔。 3.由於男性罹患重症之比率較女性高，故雖然女性的門診次數與費用較男性高，但在個人總醫療費用上均以男性較高，可能與其生活、就醫習慣有關；而隨著年齡的增加，個人醫療利用情形與費用均逐漸增加，但對於中壯年人口之男性而言，個人醫療費用有逐漸上升趨勢，值得注意。 故對我國全民健保之政策性建議，為使所得重分配的效果得以發揮，在保費負擔方面，建議提高投保金額分級的上下限差距，且縮短等級之間的上下限，分級數愈多，愈能表現出公平性；眷口數計費改採論被保險人計費；三類投保金額與自付比率應調高。在醫療費用分配方面，為抑制所得較高或保費負擔較多者對醫療資源的不當利用，本文建議改採定率部分負擔、改善城鄉醫療資源分配，保障內容改採保大不保小，抑制不必要及小額的醫療支出，讓社會保險的自助、互助及他助精神得以發揮。 未來期能利用數年的歷年資料，來分析個人或家戶在時間上之所得、保費負擔與醫療費用支出三者之間的分配情形，以更能深入瞭解政策之改變，帶來之效果。 / Equity is widely acknowledged to be an important policy objective in the health care field. The principle comes in two versions: a horizontal version (persons in equal need should be treated the same) and a vertical version (persons with greater needs should be treated more favourably the those with lesser needs). The purpose of this study is to investigate the equity between the insurees’ premium burden and their medical care expenditures in Taiwan's National Health Insurance Scheme. The sample combines two sets of data, which are data for the insured and their dependents’ premiums and medical expenditures of utilization obtained from the Bureau of NHI ; individual income tax return data obtained from the Data Processing Center of the Ministry of Finance. According the data, we will be able to use the regression model of stepwise and probit methods to analysis the purpose of this study. The major findings are twofold: First, at present the regulations in the premium exists the horizontal and vertical the inequity, so the system can't bring the income replaecment, About medical dilvery, NHI is favorable person lower-income. To achieve ability to pay, the gap between the upper and bottom of insured payroll-related amount class should be lengthened. And to lighten the burden of insuree with dependents. Second, in the medical delivery deductible amounts paid by beneficiaries will be changed from fixed amounts to fixed rate to control the wasting medical resource.

全民健康保險法自民國83年8月9日公告並自民國84年3月1日施行，此一社會保險制度迄今已成為我國醫療保健系統重要支幹，然而，醫療費用每年約上漲8~10%，致使民國87年3月開始，財務已有入不敷出的情形，因此中央健康保險局（保險人）有一連串開源節流的政策 民國94年2月25日全民健康保險監理委員會第117次會議，委員發言多傾向支持擴大代位求償範圍。此外，全民健保公民共識會議之與會人員，一致認為保險事故如果係可明確歸責於第三人之事由所導致，全民健保之保險人於給付後，應該向第三人代位求償，以符公平正義原則，立法院爰於民國94年5月18日修正全民健康保險法第82條，增訂公共安全事故及重大之交通事故、公害或食品中毒事件為代位求償範圍，修正後條文為：「保險對象因發生保險事故，而對第三人有損害賠償請求權者，本保險之保險人於提供保險給付後，得依下列規定，代位行使損害賠償請求權： 一、汽車交通事故：向強制汽車責任保險保險人請求。 二、公共安全事故：向第三人依法規應強制投保之責任保險保險人請求。 三、其他重大之交通事故、公害或食品中毒事件：第三人已投保責任保險 者，向其保險人請求；未投保者，向第三人請求。 前項第三款所定重大交通事故、公害及食品中毒事件之求償範圍、方式及 程序等事項之辦法，由主管機關定之。」 修法之後，雖然擴大了健保局代位求償範圍，但限制仍多，且此次修法亦未明確釐清健保局在其他領域是否亦有代位求償權 本文首先敘述我國自民國84年正式實施全民健康保險時，尚有盈餘，然而自民國87年起首見保險支出超過保險收入，至民國96年時差額更高達新台幣136億元，除了繼續開發新財源與減少支出外，有無可能利用現有的制度切實實施，消除多數國民有「中央健康保險局將全國人民當成提款機的看法」，以及使實現加害者負其責任之公平正義，故本文針對於全民健康保險法第82條第1項第2款中中央健康保險局對公共安全事故強制投保之責任保險保險人代位權之相關問題加以探討，希望對於日益惡化瀕於破產邊緣之財務有所助益，接者大略簡介我國社會保險制度的演進，包括勞工保險、公務人員保險及其相關保險、退休公務人員保險、公務人員眷屬疾病保險、退休公務人員疾病保險、退休公務人員配偶疾病保險、私立學校教職員保險及其相關保險、農民健康保險與全民健康保險之演進與概況，之後於第三章再藉由歐、美等主要國家保險理論探討保險代位求償權之理論基礎以及人身保險適用代位求償權之理由，復接者討論保險代位求償權之性質、民法上行使代位權之限制、保險法上保險人代位權之性質與全民健康保險保險人之代位求償權；於第四章則討論目前我國中央與地方法規中有哪些場所或行業係屬須強制投保公共意外責任保險以及公共安全事故中全民健康保險保險人代位求償權之構成要件；於第五章則討論全民健康保險保險人可代位求償之金額尚須受到中央健康保險局實際所支出之醫療給付與強制責任保險之保險金額限制；於第六章則討論保險對象對於中央健康保險局代位求償權之保全有協助義務以及節妨礙代位之事由與代位求償權之消滅時效；第七章則是探討中央健康保險局行使代位求償權應注意事項；最後於第八章則是結論與建議。