[건보재정 위기]① 과잉진료에 새는 곳간…의료복지 확대도 부담

South Korea's public healthcare insurance system faces a critical fiscal crisis despite maintaining nominal surpluses, with medical overtreatment driving unsustainable expenditure growth. Premium revenues stagnate due to demographic decline and low economic growth, while costs surge from excessive procedures and expanded welfare policies, making deficits inevitable. This structural imbalance demands urgent healthcare finance reform to preserve system viability.