{"id":32971,"date":"2025-11-14T16:48:03","date_gmt":"2025-11-14T21:48:03","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=32971"},"modified":"2025-11-14T16:48:07","modified_gmt":"2025-11-14T21:48:07","slug":"%eb%82%b4%eb%85%84%eb%b6%80%ed%84%b0-%eb%8b%ac%eb%9d%bc%ec%a7%80%eb%8a%94-%eb%a9%94%eb%94%94%ec%bc%80%ec%96%b4-%ea%b7%9c%ec%a0%95-%ed%8c%8c%ed%8a%b8-b-%eb%b3%b4%ed%97%98%eb%a3%8c-1","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%eb%82%b4%eb%85%84%eb%b6%80%ed%84%b0-%eb%8b%ac%eb%9d%bc%ec%a7%80%eb%8a%94-%eb%a9%94%eb%94%94%ec%bc%80%ec%96%b4-%ea%b7%9c%ec%a0%95-%ed%8c%8c%ed%8a%b8-b-%eb%b3%b4%ed%97%98%eb%a3%8c-1\/","title":{"rendered":"[\ub0b4\ub144\ubd80\ud130 \ub2ec\ub77c\uc9c0\ub294 \uba54\ub514\ucf00\uc5b4 \uaddc\uc815] \u2018\ud30c\ud2b8 B\u2019 \ubcf4\ud5d8\ub8cc 11.6% \uc624\ub978\ub2e4\u2026 \u2018\ucd5c\ub300\ud3ed \uc778\uc0c1\u2019"},"content":{"rendered":"

\u25b6 \ucc98\ubc29\uc57d \ubcf4\ud5d8\ub8cc\ub3c4 6%\u2191
\u25b6 \uc57d\uac12\u00b7\uc758\ub8cc\ube44 \uc808\ucc28 \ub4f1<\/p>\n\n\n\n

\u25b6 \uc81c\ub3c4 \uc804\ubc18 \ud070\ud3ed \ubcc0\ud654
\u25b6 12\uc6d47\uc77c\uae4c\uc9c0 \uac31\uc2e0\uae30\uac04<\/p>\n\n\n\n

2026\ub144\ub3c4 \ub178\ub144\uce35 \uac74\uac15\ubcf4\ud5d8\uc778 \uba54\ub514\ucf00\uc5b4 \uac31\uc2e0(AEP) \uae30\uac04\uc774 \uc9c0\ub09c 15\uc77c\ubd80\ud130 \uc2dc\uc791\ub410\ub2e4. \ub9e4\ub144 \uc774 \uc2dc\uae30\uc5d0\ub294 \uae30\uc874 \uac00\uc785\uc790\uc640 \uc2e0\uaddc \uac00\uc785\uc790 \ubaa8\ub450 \ubcf8\uc778\uc758 \ud50c\ub79c\uc744 \uac80\ud1a0\ud558\uace0, \ud544\uc694\uc5d0 \ub530\ub77c \ubcc0\uacbd\ud558\uac70\ub098 \uc0c8\ub85c \uac00\uc785\ud560 \uc218 \uc788\ub2e4. \uc774\ubc88 \uac31\uc2e0 \uae30\uac04\uc740 \uc624\ub294 12\uc6d47\uc77c\uae4c\uc9c0 \uacc4\uc18d\ub41c\ub2e4.<\/p>\n\n\n\n

\uba54\ub514\ucf00\uc5b4 \uac31\uc2e0\uc740 65\uc138 \uc774\uc0c1 \uc2dc\ub2c8\uc5b4\uc640 \uc77c\uc815 \uc790\uaca9 \uc694\uac74\uc744 \uac16\ucd98 \uc7a5\uc560\uc778\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uc5f0\ub840 \uc808\ucc28\ub85c \u25b2\uae30\uc874 \uba54\ub514\ucf00\uc5b4 \uc5b4\ub4dc\ubc34\ud2f0\uc9c0(\ud30c\ud2b8 C) \ud50c\ub79c \ubcc0\uacbd \u25b2\ucc98\ubc29\uc57d \ud50c\ub79c(\ud30c\ud2b8 D) \uc7ac\uc120\ud0dd \u25b2\uae30\uc874 \ud50c\ub79c \ud574\uc9c0 \ubc0f \uc804\ud658 \ub4f1\uc774 \uac00\ub2a5\ud558\ub2e4. \ud558\uc9c0\ub9cc 2026\ub144\ubd80\ud130\ub294 \uba54\ub514\ucf00\uc5b4 \uc81c\ub3c4 \uc804\ubc18\uc5d0 \uac78\uccd0 \ub300\ub300\uc801\uc778 \ubcc0\ud654\uac00 \uc608\uace0\ub3fc \uc788\uc5b4 \uc8fc\uc758\uac00 \ud544\uc694\ud558\ub2e4.<\/p>\n\n\n\n

\u25a0 \ud30c\ud2b8 B \ubcf4\ud5d8\ub8cc 11.6% \uc778\uc0c1<\/strong><\/p>\n\n\n\n

<\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/p>\n\n\n\n

\uac00\uc7a5 \uba3c\uc800 \uccb4\uac10\ub420 \ubcc0\ud654\ub294 \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc774\ub2e4. \uba54\ub514\ucf00\uc5b4 \ud30c\ud2b8 B(\uc678\ub798 \uc9c4\ub8cc \ubcf4\ud5d8) \uae30\ubcf8 \ubcf4\ud5d8\ub8cc\uac00 \uc6d4 185\ub2ec\ub7ec\uc5d0\uc11c 206.50\ub2ec\ub7ec\ub85c 11.6% \uc624\ub974\uba70, \uc5f0\uac04 \uacf5\uc81c\uc561\ub3c4 257\ub2ec\ub7ec\uc5d0\uc11c 288\ub2ec\ub7ec\ub85c \uc778\uc0c1\ub41c\ub2e4. \uc774\ub294 \ucd5c\uadfc \uba87 \ub144 \uc0ac\uc774 \uac00\uc7a5 \ud070 \ud3ed\uc758 \uc778\uc0c1\uc73c\ub85c, \ub9ce\uc740 \uc2dc\ub2c8\uc5b4\ub4e4\uc774 \ubd80\ub2f4\uc744 \ub290\ub084 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n\n\n\n

\u25a0 \ud30c\ud2b8 D\ub3c4 \uc778\uc0c1<\/strong><\/p>\n\n\n\n

\ucc98\ubc29\uc57d\uc744 \ub2e4\ub8e8\ub294 \ud30c\ud2b8 D \uae30\ubcf8 \ubcf4\ud5d8\ub8cc\ub3c4 \ud3c9\uade0 6% \uc778\uc0c1\ub420 \uc804\ub9dd\uc774\ub2e4. \uc6d4 36.78\ub2ec\ub7ec\uc5d0\uc11c \uc57d 38.99\ub2ec\ub7ec\ub85c \uc624\ub974\uba70, \uacf5\uc81c\uc561\uc740 590\ub2ec\ub7ec\uc5d0\uc11c 615\ub2ec\ub7ec, \u2018\uc7ac\uc559\uc801 \uc9c0\ucd9c \ud55c\ub3c4\u2019(catastrophic threshold)\ub294 2,000\ub2ec\ub7ec\uc5d0\uc11c 2,100\ub2ec\ub7ec\ub85c \uc0c1\ud5a5\ub41c\ub2e4.<\/p>\n\n\n\n

\u25a0 \uc57d\uac12 \uc778\ud558 \uc704\ud55c \u2018\uc815\ubd80 \ud611\uc0c1\uc81c\u2019 \ubcf8\uaca9 \uc2dc\ud589<\/strong><\/p>\n\n\n\n

2026\ub144\uc740 \uba54\ub514\ucf00\uc5b4 \uc2dc\ud589\uae30\uad00\uc778 CMS(\uba54\ub514\ucf00\uc5b4 \ubc0f \uba54\ub514\ucf00\uc774\ub4dc \uc11c\ube44\uc2a4 \uc13c\ud130)\uac00 \uc81c\uc57d\uc0ac\uc640 \uc9c1\uc811 \uc57d\uac12\uc744 \ud611\uc0c1\ud558\ub294 \uccab \ud574\ub2e4. \uace0\uac00\uc758 \uc8fc\uc694 \uc57d\ud488\uc774 \ud611\uc0c1 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub418\uba70, \uc5f0\uac04 \uc57d 60\uc5b5 \ub2ec\ub7ec\uc758 \uc7ac\uc815 \uc808\uac10, \uac00\uc785\uc790 \ubd80\ub2f4 15\uc5b5 \ub2ec\ub7ec \uac10\uc18c\uac00 \uae30\ub300\ub41c\ub2e4.<\/p>\n\n\n\n

\u25a0 \u2018\ucc98\ubc29\uc57d \ud560\ubd80\uc81c\u2019 \uc790\ub3d9 \uac31\uc2e0<\/strong><\/p>\n\n\n\n

2025\ub144\uc5d0 \ub3c4\uc785\ub41c \u2018\uba54\ub514\ucf00\uc5b4 \ucc98\ubc29\uc57d \uc9c0\ubd88 \uacc4\ud68d(MPPP)\u2019\uc740 \ub0b4\ub144\ubd80\ud130 \uc790\ub3d9 \uac31\uc2e0\ub41c\ub2e4. \uae30\uc874 \uac00\uc785\uc790\ub294 \ubcc4\ub3c4 \uc2e0\uccad \uc5c6\uc774 \uc790\ub3d9\uc73c\ub85c \uc7ac\ub4f1\ub85d\ub418\uba70, \uc6d0\ud560 \uacbd\uc6b0 3\uc77c \ub0b4 \ud0c8\ud1f4(opt-out) \uc694\uccad\uc744 \ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

\u25a0 \uc5b4\ub4dc\ubc34\ud2f0\uc9c0 \ud50c\ub79c \ud61c\ud0dd \ucd95\uc18c<\/strong><\/p>\n\n\n\n

\ubbfc\uac04 \ubcf4\ud5d8\uc0ac\uac00 \uc6b4\uc601\ud558\ub294 \uba54\ub514\ucf00\uc5b4 \uc5b4\ub4dc\ubc34\ud2f0\uc9c0(\ud30c\ud2b8 C) \ud50c\ub79c\uc740 \ub0b4\ub144\ubd80\ud130 \uce58\uacfc, \uc548\uacbd, \ud5ec\uc2a4\ud074\ub7fd \ub4f1 \ube44\uc758\ub8cc\uc131 \ubd80\uac00\ud61c\ud0dd\uc774 \ucd95\uc18c\ub420 \uc804\ub9dd\uc774\ub2e4. \uc77c\ubd80 \uc8fc\uc5d0\uc11c\ub294 \u2018\uc0ac\uc804 \uc2b9\uc778\uc81c\u2019(prior authorization) \uc2dc\ubc94\uc0ac\uc5c5\uc774 \ub3c4\uc785\ub41c\ub2e4.<\/p>\n\n\n\n

\u25a0 \u2018\uc774\uc911 \uc790\uaca9\uc790\u2019 \uc77c\ubd80 \ud61c\ud0dd \uc0c1\uc2e4 \uc6b0\ub824<\/strong><\/p>\n\n\n\n

\uacf5\ud654\ub2f9\uc774 \ucd94\uc9c4\ud55c \u2018\ud558\ub098\uc758 \ud06c\uace0 \uc544\ub984\ub2e4\uc6b4 \ubc95\uc548(OBBBA)\u2019\uc774 \ud1b5\uacfc\ub420 \uacbd\uc6b0, \uba54\ub514\ucf00\uc5b4\uc640 \uba54\ub514\ucf00\uc774\ub4dc(\uce98\ub9ac\ud3ec\ub2c8\uc544\uc758 \uacbd\uc6b0 \uba54\ub514\uce98)\ub97c \ud568\uaed8 \uc774\uc6a9\ud558\ub358 \uc774\uc911 \uc790\uaca9\uc790 \uc77c\ubd80\uac00 \uc790\uaca9\uc744 \uc783\uc744 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uac00 \ub098\uc628\ub2e4.<\/p>\n\n\n\n

\u25a0 \uc7ac\uc815\uc801\uc790 \ub530\ub978 \uc790\ub3d9 \uc0ad\uac10 \uc704\ud5d8<\/strong><\/p>\n\n\n\n

OBBBA \uc790\uccb4\uac00 \uc9c1\uc811\uc801\uc778 \uba54\ub514\ucf00\uc5b4 \uc0ad\uac10\uc744 \ud3ec\ud568\ud558\uc9c0\ub294 \uc54a\uc9c0\ub9cc, \ud574\ub2f9 \ubc95\uc548\uc774 \ucd08\ub798\ud560 3\uc8704,000\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc7ac\uc815\uc801\uc790\ub85c \uc778\ud574 \u2018\ud398\uc774\uace0(PAYGO)\u2019 \uaddc\uc815\uc774 \ubc1c\ub3d9\ub420 \uacbd\uc6b0 \uc790\ub3d9 \uc0ad\uac10\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4\ub294 \ubd84\uc11d\uc774\ub2e4.<\/p>\n\n\n\n

\u25a0 \ud30c\ud2b8 A \uc2e0\ud0c1\uae30\uae08 2033\ub144 \uace0\uac08<\/strong><\/p>\n\n\n\n

\uba54\ub514\ucf00\uc5b4 \ubcd1\uc6d0\ubcf4\ud5d8(\ud30c\ud2b8 A)\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uc2e0\ud0c1\uae30\uae08\uc740 2033\ub144\uaed8 \uc18c\uc9c4\ub420 \uac83\uc73c\ub85c \uc608\uce21\ub41c\ub2e4. \uc870\uce58\uac00 \uc5c6\uc744 \uacbd\uc6b0, \uc774\ud6c4 \uc218\uae09\uc790\ub294 \ud604\uc7ac \uae09\uc5ec\uc758 \uc57d 89%\ub9cc \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uacbd\uace0\uac00 \ub098\uc654\ub2e4.<\/p>\n\n\n\n

\u25a0 \uc758\uc0ac \uc811\uadfc\uc131 \uac1c\uc120 \uae30\ub300<\/strong><\/p>\n\n\n\n

5\ub144 \uac00\uae4c\uc774 \ub3d9\uacb0\ub410\ub358 \uc758\uc0ac \uc9c4\ub8cc \ubcf4\uc0c1\uc774 2026\ub144\ubd80\ud130 \uc778\uc0c1\ub41c\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc758\uc0ac\ub4e4\uc758 \uba54\ub514\ucf00\uc5b4 \ud658\uc790 \uc218\uc6a9\uc774 \ub298\uc5b4\ub098\uace0, \uc9c4\ub8cc \uc811\uadfc\uc131 \uac1c\uc120\uc774 \uae30\ub300\ub41c\ub2e4.<\/p>\n\n\n\n

\u25a0 \u201c\ubd80\ub2f4\uc740 \ub298\uc9c0\ub9cc, \uc81c\ub3c4\ub294 \uc9c4\ud654 \uc911\u201d<\/strong><\/p>\n\n\n\n

2026\ub144\uc740 \uba54\ub514\ucf00\uc5b4 \uac00\uc785\uc790\uc5d0\uac8c \ud070 \uc804\ud658\uc810\uc774 \ub420 \uc804\ub9dd\uc774\ub2e4. \ubcf4\ud5d8\ub8cc\uc640 \uacf5\uc81c\uc561 \uc778\uc0c1\uc73c\ub85c \uc9c0\ucd9c\uc774 \ub298\uc5b4\ub098\ub294 \ubc18\uba74, \uc57d\uac12 \ud611\uc0c1\uc81c\uc640 \uc790\ub3d9 \ub0a9\ubd80\uc81c \ub3c4\uc785\uc73c\ub85c \uc7a5\uae30\uc801 \ubd80\ub2f4\uc740 \uc644\ud654\ub420 \uac00\ub2a5\uc131\ub3c4 \uc788\ub2e4.<\/p>\n\n\n\n

\uba54\ub514\ucf00\uc5b4 \uc804\ubb38\uac00\ub4e4\uc740 \u201c\ubcf4\ud5d8\ub8cc \uc778\uc0c1\ub9cc \ubcf4\uc9c0 \ub9d0\uace0 \uc804\uccb4 \ud61c\ud0dd \uad6c\uc870\uc640 \uc57d\uac00 \uc808\uac10 \ud6a8\uacfc\ub97c \ud568\uaed8 \uc0b4\ud3b4\uc57c \ud55c\ub2e4\u201d\uba70 \u201c\uac01\uc790\uc758 \uac74\uac15 \uc0c1\ud0dc\uc640 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ud50c\ub79c \uc7ac\uc870\uc815\uc774 \ud544\uc218\uc801\u201d\uc774\ub77c\uace0 \uc870\uc5b8\ud588\ub2e4.<\/p>\n\n\n\n

\u25a0 \uba54\ub514\ucf00\uc5b4 \uc81c\uc678 \uc758\ub8cc \ube44\uc6a9<\/strong><\/p>\n\n\n\n

\uc624\ub9ac\uc9c0\ub110 \uba54\ub514\ucf00\uc5b4(\ud30c\ud2b8 A\uc640 B)\ub294 \ub178\ub144\uce35 \uac74\uac15\uc758 \uae30\ubcf8 \uc548\uc804\ub9dd\uc774\uc9c0\ub9cc, \uce58\uacfc\u00b7\uc2dc\ub825\u00b7\uccad\ub825\u00b7\uc7a5\uae30\uc694\uc591 \uac19\uc740 \ud575\uc2ec \uc601\uc5ed\uc740 \ube60\uc838 \uc788\ub2e4. \ub530\ub77c\uc11c \uc740\ud1f4 \uc804 \ucd94\uac00 \ubcf4\uc7a5(\uba54\ub514\uac2d\u00b7\uba54\ub514\ucf00\uc5b4 \uc5b4\ub4dc\ubc34\ud2f0\uc9c0 \ub4f1)\uc744 \uac80\ud1a0\ud574 \uc7ac\uc815\uc801 \uc704\ud5d8\uc744 \ub300\ube44\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n

\u25b2\ub871\ud140\ucf00\uc5b4(\uc7a5\uae30 \uc694\uc591) \u25b2\uc2a4\ucf00\uc77c\ub9c1 \ubc0f \ucda9\uce58 \uce58\ub8cc \u25b2\ud2c0\ub2c8 \ubc0f \uc784\ud50c\ub780\ud2b8 \u25b2\uc2dc\ub825\uac80\uc0ac \ubc0f \uc548\uacbd \u25b2\ubcf4\uccad\uae30 \ubc0f \uccad\ub825\uac80\uc0ac \u25b2\ucc98\ubc29\uc57d(Part D \uac00\uc785 \uc5c6\ub294 \uacbd\uc6b0) \u25b2\ubc1c \uad00\ub9ac \u25b2\ubbf8\uc6a9 \ubaa9\uc801 \uc131\ud615\uc218\uc220 \u25b2\uce68 \ub4f1 \ub300\uccb4\u00b7\ubcf4\uc644\uc758\ud559 \u25b2\ud574\uc678 \uc758\ub8cc\uc11c\ube44\uc2a4 \u25b2\uc885\ud569 \uc2e0\uccb4\uac80\uc0ac \u25b2\ud68c\uc6d0\uc81c \uc758\ub8cc<\/p>\n\n\n\n

<\ub178\uc138\ud76c \uae30\uc790><\/p>","protected":false},"excerpt":{"rendered":"

\u25b6 \ucc98\ubc29\uc57d \ubcf4\ud5d8\ub8cc\ub3c4 6%\u2191\u25b6 \uc57d\uac12\u00b7\uc758\ub8cc\ube44 \uc808\ucc28 \ub4f1 \u25b6 \uc81c\ub3c4 \uc804\ubc18 \ud070\ud3ed \ubcc0\ud654\u25b6 12\uc6d47\uc77c\uae4c\uc9c0 \uac31\uc2e0\uae30\uac04 2026\ub144\ub3c4…<\/p>","protected":false},"author":1,"featured_media":32973,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[2282],"class_list":["post-32971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\n[\ub0b4\ub144\ubd80\ud130 \ub2ec\ub77c\uc9c0\ub294 \uba54\ub514\ucf00\uc5b4 \uaddc\uc815] \u2018\ud30c\ud2b8 B\u2019 \ubcf4\ud5d8\ub8cc 11.6% \uc624\ub978\ub2e4\u2026 \u2018\ucd5c\ub300\ud3ed \uc778\uc0c1\u2019 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/koreatimesphila.com\/en\/\ub0b4\ub144\ubd80\ud130-\ub2ec\ub77c\uc9c0\ub294-\uba54\ub514\ucf00\uc5b4-\uaddc\uc815-\ud30c\ud2b8-b-\ubcf4\ud5d8\ub8cc-1\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\ub0b4\ub144\ubd80\ud130 \ub2ec\ub77c\uc9c0\ub294 \uba54\ub514\ucf00\uc5b4 \uaddc\uc815] \u2018\ud30c\ud2b8 B\u2019 \ubcf4\ud5d8\ub8cc 11.6% \uc624\ub978\ub2e4\u2026 \u2018\ucd5c\ub300\ud3ed \uc778\uc0c1\u2019 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544\" \/>\n<meta property=\"og:description\" content=\"\u25b6 \ucc98\ubc29\uc57d \ubcf4\ud5d8\ub8cc\ub3c4 6%\u2191\u25b6 \uc57d\uac12\u00b7\uc758\ub8cc\ube44 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