Page 63 - Demo
P. 63
%u4eba%u6587%u793e%u6703%u8207%u91ab%u5b78%u7684%u8de8%u57df%u7814%u7a76%u8207%u885b%u751f%u653f%u7b56%u8f49%u8b6f%u7684%u6311%u6230%u2500%u4ee5%u7cd6%u5c3f%u75c5%u8ad6%u8cea%u8a08%u916c%u653f%u7b56%u70ba%u4f8b63%u984c%u3002%u7814%u7a76%u7d50%u679c%u767c%u73fe%u7cd6%u5c3f%u75c5%u75be%u75c5%u56b4%u91cd%u5ea6%u8d8a%u9ad8%uff0c%u8d8a%u5c11%u5728%u7cd6%u5c3f%u75c5%u8ad6%u8cea%u8a08%u916c%u7167%u8b77%u65b9%u6848%u4e2d%u88ab%u6536%u6848%u63a5%u53d7%u7167%u8b77%uff08Hsieh et al., 2016a%uff09%u3002%u7531%u65bc%u591a%u7bc7%u7814%u7a76%u90fd%u6307%u51fa%u75be%u75c5%u56b4%u91cd%u5ea6%u9ad8%u7684%u75c5%u4eba%u53ef%u80fd%u6703%u6709%u9006%u9078%u64c7%uff08adverse selection%uff09%u7684%u7591%u616e%uff0c%u5b78%u8005%u5e0c%u671b%u80fd%u5920%u518d%u6df1%u5165%u63d0%u4f9b%u8b49%u64da%u77ad%u89e3%u7167%u9867%u75be%u75c5%u56b4%u91cd%u5ea6%u9ad8%u7684%u75c5%u4eba%u7684%u771f%u5be6%u6548%u76ca%uff0c%u7279%u5225%u662f%u63a2%u8a0e%u7cd6%u5c3f%u75c5%u8ad6%u8cea%u8a08%u916c%u65b9%u6848%u5c0d%u65bc%u6709%u7f79%u60a3%u591a%u91cd%u5171%u75c5%uff08multiple chronic conditions%uff09%u7684%u7cd6%u5c3f%u75c5%u75c5%u4eba%u7684%u91ab%u7642%u54c1%u8cea%u8207%u6210%u672c%u6548%u76ca%u3002%u6211%u5011%u7684%u5718%u968a%u5728 2015 %u5e74%u767c%u8868%u5206%u5225%u6bd4%u8f03%u6709%u7121%u52a0%u5165%u8ad6%u8cea%u8a08%u916c%u65b9%u6848%u5c0d%u65bc%u5408%u4f75%u4e09%u9ad8%uff08%u9ad8%u8840%u58d3%u3001%u9ad8%u8840%u7cd6%uff09%u7684%u7cd6%u5c3f%u75c5%u75c5%u4eba%u7684%u6210%u672c%u6548%u76ca%uff0c%u7814%u7a76%u7d50%u679c%u767c%u73fe%u5408%u4f75%u4e09%u9ad8%u7d44%u6bd4%u6c92%u6709%u53c3%u52a0%u7d44%u6bcf%u751f%u6d3b%u54c1%u8cea%u6821%u6b63%u5b58%u6d3b%u4eba%u5e74%u7bc0%u7701 NTD 506,199 %u5143%uff0c%u7136%u800c%u50c5%u6709%u7cd6%u5c3f%u75c5%u7d44%u6bd4%u6c92%u6709%u53c3%u52a0%u7d44%u6bcf%u751f%u6d3b%u54c1%u8cea%u6821%u6b63%u5b58%u6d3b%u4eba%u5e74%u5247%u7bc0%u7701 NTD 434,815 %u5143%uff08Hsieh et al., 2015a%uff09%u3002%u53e6%u5916%u4e5f%u6709%u5169%u500b%u5718%u968a%u5728%u76f8%u540c%u6642%u9593%u767c%u8868%u985e%u4f3c%u7814%u7a76%uff0c%u5305%u62ec Chen & Cheng %uff082016%uff09%u7814%u7a76%u767c%u73fe%u5c0d%u65bc%u6709%u52a0%u5165%u65b9%u6848%u4e14%u7f79%u60a3%u9ad8%u8840%u58d3%u7684%u7cd6%u5c3f%u75c5%u75c5%u4eba%u53ef%u4ee5%u5728%u7b2c%u4e00%u5e74%u6709%u6548%u964d%u4f4e%u7cd6%u5c3f%u75c5%u76f8%u95dc%u4f4f%u9662%u548c%u6025%u8a3a%u5229%u7528%u3002Huang et al.%uff082016%uff09%u7814%u7a76%u767c%u73fe%u6709%u53c3%u52a0%u7cd6%u5c3f%u75c5%u8ad6%u8cea%u8a08%u916c%u65b9%u6848%u7684%u5408%u4f75%u591a%u91cd%u6162%u6027%u5171%u75c5%u7684%u7cd6%u5c3f%u75c5%u75c5%u4eba%u986f%u8457%u6e1b%u5c11%u7cd6%u5c3f%u75c5%u76f8%u95dc%u7684%u4f4f%u9662%u3002%u8a31%u591a%u570b%u5bb6%u7528%u4e0d%u540c%u65b9%u5f0f%u4f86%u9810%u9632%u8ad6%u8cea%u8a08%u916c%u5236%u5ea6%u7522%u751f%u7684%u9006%u9078%u64c7%u526f%u4f5c%u7528%uff0c%u5728%u6211%u5011%u7814%u7a76%u5718%u968a%u767c%u8868%u7684%u6587%u7ae0%u4e2d%u6574%u7406%u4e86%u5e7e%u7a2e%u4f5c%u6cd5%uff08Hsieh et al., 2016a%uff09%uff0c%u5305%u62ec%u82f1%u570b%u7684%u8ad6%u8cea%u734e%u52f5%u8a08%u756b%u4e2d%uff0c%u91ab%u5e2b%u88ab%u7981%u6b62%u9078%u64c7%u8981%u7d0d%u5165%u8a08%u756b%u7684%u75c5%u60a3%uff0c%u4f46%u53ef%u4ee5%u4f7f%u7528%u4e00%u7cfb%u5217%u6a19%u6e96%u300c%u4f8b%u5916%u5831%u544a%u300d%u4f86%u6392%u9664%u500b%u5225%u75c5%u60a3%uff08Doran et al., 2008; Gravelle et al., 2010%uff09%uff0c%u8b93%u6240%u6709%u7b26%u5408%u689d%u4ef6%u7684%u75c5%u4eba%u90fd%u7d0d%u5165%u7167%u9867%u8a08%u756b%u4e2d%u3002%u53e6%u4e00%u7a2e%u9810%u9632%u4e0d%u826f%u9078%u64c7%u7684%u65b9%u6cd5%u662f%u5728%u7d50%u679c%u6e2c%u91cf%u4e2d%u5c0d%u75c5%u60a3%u98a8%u96aa%u9032%u884c%u98a8%u96aa%u6821%u6b63%uff08risk adjustment%uff09%u3002%u9069%u7576%u7684%u98a8%u96aa%u6821%u6b63%u5c0d%u65bc%u6bd4%u8f03%u7d50%u679c%u7684%u516c%u5e73%u6027%u81f3%u95dc%u91cd%u8981%uff0c%u7279%u5225%u662f%u7576%u9019%u4e9b%u7d50%u679c%u6703%u5f71%u97ff%u8cbb%u7528%u3002%u70ba%u4e86%u9054%u5230%u516c%u6b63%u7684%u6bd4%u8f03%uff0c%u6578%u64da%u8490%u96c6%u7684%u8ca0%u64d4%u5fc5%u9808%u8207%u98a8%u96aa%u8abf%u6574%u7684%u6e96%u78ba%u6027%u76f8%u5e73%u8861%uff08Chen et al., 2011; Rosenthal & Frank, 2006; Milgate & Cheng, 2006%uff09%u3002%u6211%u5011%u7814%u7a76%u5718%u968a%u5728%u6587%u4e2d%u5efa%u8b70%u653f%u7b56%u898f%u5283%u6700%u4f73%u907f%u514d%u9006%u9078%u64c7%u7684%u65b9%u5f0f%u662f%u5728%u8cc7%u6e90%u8a31%u53ef%u4e4b%u4e0b%uff0c%u7d0d%u5165%u6240%u6709%u7b26%u5408%u689d%u4ef6%u7684%u7cd6%u5c3f%u75c5%u75c5%u4eba%uff0c%u4e0d%u8ad6%u5176%u75be%u75c5%u56b4%u91cd%u5ea6%uff08Hsieh et al., 2016a%uff09%u3002%u53e6%u5916%uff0c%u4e5f%u5efa%u8b70%u5206%u7d1a%u91ab%u7642%u548c%u6574%u5408%u7167%u8b77%u7684%u6a5f%u5236%u53ef%u4ee5%u8a2d%u8a08%u5230%u8ad6%u8cea%u8a08%u916c%u7684%u734e%u52f5%u5236%u5ea6%u4e2d%uff0c%u4fc3%u9032%u57fa%u5c64%u548c%u5c08%u79d1%u91ab%u7642%u4e4b%u9593%u7684%u6574%u5408%uff0c%u4ee5%u6539%u5584%u7cd6%u5c3f%u75c5%u60a3%u8005%u7684%u7167%u8b77%u6a21%u5f0f%u3002%u57fa%u5c64%u91ab%u7642%u53ef%u4ee5%u63d0%u4f9b%u521d%u59cb%u8a3a%u65b7%u3001%u5728%u8f03%u4e0d%u8907%u96dc%u7684%u60c5%u6cc1%u4e0b%u9032%u884c%u6cbb%u7642%u4e26%u63d0%u5347%u6574%u9ad4%u7167%u8b77%u7684%u9023%u7e8c%u6027%uff0c%u800c%u5c08%u79d1%u91ab%u751f%u53ef%u4ee5%u5c08%u5fc3%u6cbb%u7642%u5c0d%u7b2c%u4e00%u7dda%u548c%u7b2c%u4e8c%u7dda%u6cbb%u7642%u6c92%u6709%u53cd%u61c9%u7684%u66f4%u8907%u96dc%u500b%u6848%uff08Hsieh et al., 2016a%uff09%u3002%u7167%u9867%u4e0d%u540c%u75be%u75c5%u56b4%u91cd%u5ea6%u7684%u75c5%u4eba%uff0c%u61c9%u4f9d%u7167%u56b4%u91cd%u5ea6%u7b49%u7d1a%u800c%u6709%u4e0d%u540c%u7684%u734e%u52f5%u91d1%u984d%u3002%u96d6%u7136%u7d93%u904e%u591a%u5e74%u8a31%u591a%u5b78%u8005%u6295%u5165%u7814%u7a76%u7684%u5be6%u8b49%u8f49%u8b6f%uff0c%u81fa%u7063%u7684%u7cd6%u5c3f%u75c5%u8ad6%u8cea%u8a08%u916c%u91ab%u7642%u7d66%u4ed8%u65b9%u6848%u52a0%u5165%u4eba%u6578%u5f9e 2005 %u5e74%u50c5 23.5%%uff0c2021 %u5e74%u6210%u9577 59.9% %uff08%u885b%u751f%u798f%u5229%u90e8%u4e2d%u592e%u5065%u5eb7%u4fdd%u96aa%u7f72%uff0c2022%uff09%uff0c%u4f46%u662f%u5be6%u65bd%u5df2%u7d93 22 %u5e74%u7cd6%u5c3f%u75c5%u8ad6%u8cea%u8a08%u916c%u91ab%u7642%u7d66%u4ed8%u5236%u5ea6%u4ecd%u820a%u9762%u81e8