• 作者： 葉秀珍; 詹宜璋; 王正
• 作者服務機構： 國立中正大學社會福利系; 國立暨南大學社會政策與社會工作系; 國立中正大學社會福利系
• 中文摘要： 由於大多數中低收入者較一般民眾不易獲得足夠且正確的醫療保健資訊；再者，基於醫療保健是一種殊價財，因此政府對這些較不會評估且不易獲得醫療保健資訊之中低收入者，應加以協助。至於中低收入戶保費補助措施所需之經費，假如該項措施係採全額補助之方式，則政府所增加之財政負擔實際上即為目前該群目標人口之自付保險費部分。我們以八十五年七月後地區人口須自付之保險費數額為推算基礎，乘上前述預估人口數，再減去目前對中低收入戶七十歲以上老人之補助金額，得出中低收入戶保費補助措施開辦時政府每月所需「增加」之財政負擔為401,511,691元，一年所需經費則約為四十八億元。
• 英文摘要： Health care is one kind of merit goods. Compared to average households, middle-to-low incomehouseholds are less likely to acquire correct and sufficient information about health care. Therefore,government should provide help to middle-to-low income households on the basis of the above two reasons.If the government fully subsidizes insurance premiums for middle-to-low income households, the additionalfinancial burden will be the sum of the direct payments from this target group. If we use as a baseline the directpayments from regional population (as a proxy for the target population) in July 1996, multiply the estimatedregional population, subtract the amount of subsidies for the elderly aged 70 or more in middle-to-low incomehouseholds, the extra financial burden for the government will be equal to $401 million N.T. dollars per month,and the estimated annual budget will be equal to $4.8 billion N.T. dollars.
• 中文關鍵字： 中低收入戶; 醫療保健消費; 規模經濟; 財政負擔
• 英文關鍵字： middle-to-low income households; health care consumption; economies of scale; financial burden