Out-of-pocket expense for an outpatient visit and outpatient drugs in the public health clinics and private clinics. This estimate is when the total cost (OOP + NHI reimbursement) is assumed to be $13 USD, and the fee for drugs is assumed to be $9 USD. PHC: public health clinic, OA: The OOP expense for an outpatient visit saved by visiting a PHC rather than a private clinic, AB: The OOP expense for outpatient drugs saved by visiting a PHC rather than a private clinic, BC: The OOP expense for outpatient drugs prescribed for 30 days, which is saved by visiting a PHC rather than a private clinic (in the case of the most commonly prescribed anti-hypertensive drug in Korea in 2017) [39,40], OA’: The waived OOP expense for outpatient visits in the PHC, A’B’: The OOP expense for outpatient drugs, which is later reimbursed to patients or pharmacies, B’C’: The OOP expense for outpatient drugs for 30 days (Six 5-day prescriptions), which is later reimbursed to patients or pharmacies.