Name: 住院醫生的收入是多少？💸 每小時明細！⏱️ (How Much Do Resident Doctors Make?💸 Per Hour Breakdown!⏱️)
Uploaded: 2025-10-19T18:02:51.000Z
Duration: 9 min 3 s

情態副詞

After medical school, you likely have around a quarter million dollars of debt.

醫學院畢業後，你可能會有將近二十五萬美元的債務。

But now you're a resident doctor and you finally get paid.

但現在你是住院醫師了，終於有收入了。

程度副詞

But now the question is how much will you make and will it even put a dent in your debt?

但現在的問題是，你會賺多少？夠還債務嗎？

Dr. Jubbal medschoolinsiders.com first, yes, in the US you are paid during residency.

Dr. Jubbal medschoolinsiders.com 首先，是的，在美國，住院醫師訓練期間是有薪水的。

However, residents are not paid very much considering the massive number of hours they are expected to work.

不過，考量到住院醫師需要投入的工時非常長，他們的薪水其實不算高。

Typically, residents are paid in the high 50s or high $60,000 per year during depending on their specialty, location and year in training.

通常，住院醫師的年薪大約落在五萬多到六萬多美元之間，這會依據他們的專科、地點和訓練年資而有所不同。

According to a 2023 Medscape report, the average salary for a resident in the US is now $67,400.

根據 Medscape 2023 年的報告，美國住院醫師的平均薪資現在是 67,400 美元。

This is up 5% from the previous year, which was $64,200.

這比前一年的 64,200 美元上漲了 5%。

In 2022, a resident salary will increase as they advance through their training by a couple thousand dollars a year, and

2022 年，住院醫師的薪資會隨著他們在訓練中晉升，每年增加數千美元，

residency training can last anywhere from three to seven years.

而住院醫師訓練的時間從三年到七年不等。

For example, family medicine is a three year residency, radiology takes five years and and neurosurgery lasts seven years.

舉例來說，家庭醫學是三年的住院醫師訓練，放射學需要五年，而神經外科則長達七年。

We'll break this down further later in the video.

我們會在影片後面進一步分析。

So what does that equate to hourly compensation?

The hourly rate of residence varies significantly because while pay is based on a set salary, the number of hours worked can vary by specialty, institution, and

住院醫師的時薪差異很大，因為雖然薪資是根據固定年薪計算，但每週工時會因專科、機構和

For example, if the resident salary is $60,000 a year and the physician works 50 hours a week, they make approximately $23 an hour.

舉例來說，如果住院醫師年薪是 60,000 美元，醫師每週工作 50 小時，時薪大約是 23 美元。

But if the resident works salary 70 hours a week, that's only approximately $16.50 an hour.

但如果住院醫師每週工作 70 小時，時薪就只有大約 16.50 美元。

The hourly rate is even worse when a resident is overworked, which happens far too often.

當住院醫師過勞時，時薪會更糟，這情況實在太常發生了。

At 85 hours a week, a resident would only make approximately $13.50 an hour, which is less than minimum wage in many states.

每週工作 85 小時，住院醫師的時薪大約只有 13.50 美元，這比許多州的最低工資還低。

After years of training and hundreds of thousands of dollars of medical school bills, it can be incredibly tough on residents to work 80 hour weeks and while only being paid minimum wage.

經過多年的訓練和數十萬美元的醫學院學費，住院醫師每週工作 80 小時卻只領最低工資，這真的非常辛苦。

Now, while the Accreditation Council for Graduate Medical Education limited resident work hours in the United States to a maximum of 80 hours weekly in 2003, there are numerous examples of this rule not being adhered to.

不過，雖然美國在 2003 年就規定住院醫師每週工時上限為 80 小時，但有很多例子顯示這項規定並未被遵守。

Some specialties are known more than others for going over the 80 hour work week.

有些專科比其他專科更容易超時工作。

Looking at you neurosurgery, there's an abusive culture in healthcare that prioritizes cheap labor for hospitals over the physical and mental health of residents.

特別是神經外科，醫療體系中存在一種不良文化，為了醫院的廉價勞動力，犧牲了住院醫師的身心健康。

Unfortunately, hospitals care about the bottom line and quite simply, overworking residents saves money.

不幸的是，醫院只在乎營收，過度勞役住院醫師能省下不少錢。

It's cheaper to have a resident do the work that a PA or NP would Normally do I cover the harsh reality of being a resident in the US on my personal Kevin Jubbal, Maryland Channel.

讓住院醫師做原本該由 PA 或 NP 做的工，這樣比較省錢，我在我的個人頻道 Kevin Jubbal, Maryland 上有探討過美國住院醫師的嚴酷現實。

Check out the video where I react to some residents making less than minimum wage when factoring in 80 hour work weeks.

看看這個影片，我對一些住院醫師在計算了每週 80 小時工時後，時薪竟然低於最低工資的現象做出反應。

You might be wondering why so many residents work under such harsh and potentially dangerous working conditions.

你可能會想，為什麼這麼多住院醫師要在這麼嚴苛、甚至危險的工作條件下工作？

The sad truth is that after four years of grueling medical school training and the bills that go along with it, for most residents it can feel like they don't have any other option but to grind it out.

殘酷的真相是，經過四年艱苦的醫學院訓練，以及隨之而來的帳單，對大多數住院醫師來說，感覺好像別無選擇，只能硬撐下去。

But grinding it out can take quite a long time.

但硬撐下去可能需要很長的時間。

Remember, residency training can take as long as seven years for neurosurgery and six for plastic surgery, thoracic surgery and interventional radiology.

請記住，住院醫師訓練對神經外科可能長達七年，對整形外科、胸腔外科和介入放射學則需要六年。

A resident salary does increase throughout training, but

住院醫師的薪資在訓練期間會增加，但

not by much compared to the salary of a licensed physician.

與執業醫師的薪資相比，增加幅度不大。

Residents who who spend the most time training at six to eight years can expect to earn $13,000 to $18,000 more than their starting salary at the end of training.

訓練時間長達六到八年的住院醫師，在訓練結束時的薪資預計比起薪多一萬三千到一萬八千美元。

This brings the yearly salary up to around $75,000 compared to the salary of a mid level provider such as an NP or pa.

這使得年薪約為七萬五千美元，與 NP 或 PA 等中階醫療人員的薪資相比。

Residents get paid only about half as much while providing comparable levels of care.

住院醫師在提供相當的照護水準時，薪資卻只有一半左右。

當然，這是一份不錯的薪水，但

you have to remember that physicians typically have hundreds of thousands of dollars of debt collecting interest by the time they reach residency, not to mention the highly skilled labor they're providing and the risk they take on.

你必須記住，醫師在進入住院醫師訓練時，通常已經背負了數十萬美元的債務並產生利息，更不用說他們提供的技術勞力以及承擔的風險。

Let's break down just what that kind of debt and the interest associated with it looks like.

讓我們進一步分析那樣的債務以及相關的利息會是什麼樣子。

As a resident making the average salary of $67,400 a year, that equals $5,600 a month.

以平均年薪六萬七千四百美元的住院醫師來說，這相當於每月五千六百美元。

The average student debt coming out of medical school is approximately $250,000.

醫學院畢業時的平均學生債務約為二十五萬美元。

Let's be conservative again on interest rates and say the loan interest is at 7%.

我們再次保守估計利率，假設貸款利息是 7%。

This puts monthly interest alone at around $1,500 a month.

這使得每個月光是利息就大約是 1,500 美元。

Based on Income Driven Repayment Plans or an IDR plan, residents can be approved for a much lower minimum payment, which can be as low as $300 a month.

根據所得變動還款計畫 (IDR plan)，住院醫師可以核准較低的最低還款額，每月最低可能只要 300 美元。

But keep in mind that only paying the minimum required on your debt will mean you continue to accrue over $1,000 of interest every month.

但請記住，只支付債務的最低要求金額，意味著你每個月都會持續累積超過 1,000 美元的利息。

Let's put it this way, even if you were somehow able to pay $2,000 a month toward your medical school loans for a year, that only equates to reduc by about $6,000 after a year of monthly payments, you would only reduce that 250k to 244k.

這樣說吧，即使你 somehow 每個月能還 2,000 美元給你的醫學院貸款一年，一年後的每月還款，也只相當於減少約 6,000 美元，你只會將那 25 萬減少到 24.4 萬。

It's extremely likely that you won't make any sort of dent in your medical school debt during residency and will come out the other side with more debt than you started with due to accrued interest.

在住院醫師訓練期間，你極不可能對你的醫學院債務造成任何影響，而且由於累積的利息，你出來時的債務會比開始時更多。

If you'd like us to break down more exact calculations and options for paying off medical school debt in a future video, let us know in the comments.

如果你希望我們在未來的影片中進一步分析還清醫學院債務的確切計算和選項，請在留言區告訴我們。

So what does that mean for your hypothetical monthly finances?

那麼，這對你假設的每月財務狀況意味著什麼？

If you pay zero state tax on your income federally, you're looking at paying a little more than $12,000 a year in taxes, which is $1,000 a month, bringing your monthly paycheck down to $4,600.

如果你聯邦稅為零，州稅也為零，你一年要繳納的稅金會略多於 12,000 美元，也就是每月 1,000 美元，這樣你的月薪就會降到 4,600 美元。

If you pay a low minimum payment of $500 toward your debt, you're now at $4,100.

如果你每月支付 500 美元的最低還款額，那你就剩下 4,100 美元。

The average rent across the US is $1,400 a month.

全美平均租金一個月是 1,400 美元。

A low grocery budget for one person is approximately $300, bringing your paycheck down to $2,400.

一個人一個月基本的雜貨開銷大約是 300 美元，這樣你的薪水就剩下 2,400 美元。

Now you'll also need to get around the average cost of owning a car varies considerably.

現在你還需要考慮交通，擁有一輛車的平均費用差異很大。

Once again, let's lean conservative and say your monthly transportation costs are only $500 a month, leaving a mere $1,900 left.

我們再次保守估計，每個月的交通費用是 500 美元，這樣就只剩下 1,900 美元了。

With that, you'll need to cover dining out, utilities, phone bill, fitness expenses, medical expenses, travel, social events, holiday gifts, coffee, prescriptions, clothing and new scrubs, any unforeseen emergencies Disability insurance, which every resident should have, contributing to your retirement account, buying educational resources for upcoming board exams and this list could go on the life of a resident making $70,000 is far from luxurious.

有了這些錢，你還需要支付外出用餐、水電費、電話費、健身費用、醫療費用、旅遊、社交活動、節日禮物、咖啡、處方藥、衣物和新的手術服，任何突發的緊急情況，殘疾保險（每位住院醫師都應該有），為你的退休帳戶做貢獻，購買即將到來的資格考試的教育資源，這個清單還可以繼續下去，一位年薪 70,000 美元的住院醫師的生活遠談不上奢華。

The paycheck is not in line with the value provided compared to other healthcare workers, and

這份薪水與提供的價值相比，和其他醫療工作者相比並不匹配，而且

it doesn't come close to matching the number of hours they are expected to work.

也遠遠無法與他們預期工作的時數相符。

it can be incredibly stressful to scrimp and watch your student loans go up by hundreds to thousands of dollars every month while you're working your butt off 80 hours a week in the hospital.

在醫院賣命工作 80 個小時，每個月卻要為了省錢而煩惱，看著你的學貸增加數百到數千美元，這會讓人壓力非常大。

The 2023 resident salary and debt report from Medscape shares that only 20% of residents feel fairly compensated for their work during residency.

Medscape 2023 年住院醫師薪資與債務報告指出，只有 20% 的住院醫師覺得自己的住院醫師訓練期間的辛勞獲得了公平的報酬。

This is the aver all years of training, but this statistic fluctuates as a physician progresses through residency.

這是所有訓練年資的平均數字，但這個比例會隨著醫師在住院醫師訓練中的進展而有所變動。

During PGY1 or the first year of residency, 21% of residents reported being happy with their salary.

在 PGY1 或住院醫師訓練的第一年，有 21% 的住院醫師表示對自己的薪資感到滿意。

The percent fluctuates from year to year, but

by the time they reached year eight, 29% of residents reported being satisfied with their compensation.

到了第八年，有 29% 的住院醫師表示對自己的薪資感到滿意。

But keep in mind, if you're at PGY8, you're likely in fellowship and compensation has increased notably compared to where you started.

但請記住，如果你是 PGY8，你可能正在進修，薪資與你剛開始時相比已經顯著增加。

Residents who were dissatisfied felt it did not reflect their work hours and was not comparable to other medical staff.

不滿意的住院醫師覺得薪資沒有反映他們的工作時數，也無法與其他醫護人員的薪資相比。

So what does this mean for aspiring physicians?

那麼這對有志成為醫師的人來說意味著什麼呢？

While licensed physicians in the US Earn a sizable and reliable salary in the low to mid six figures, it takes a long time to get there.

雖然美國的執業醫師能賺取相當可觀且穩定的薪資，約在六位數中低段，但要達到這個階段需要很長的時間。

And the larger the eventual end game salary, the longer residency will take.

而且最終的薪資越高，住院醫師訓練所需的時間就越長。

If you're thinking of getting into medicine for financial reasons, understand that while it's great money, it takes a huge investment of time and a massive opportunity cost to become a practicing physician.

如果你是為了錢而想進入醫界，請瞭解雖然收入很不錯，但要成為執業醫師需要投入大量的時間和巨大的機會成本。

You'll have nearly a decade of schooling and training that costs hundreds of thousands of dollars, and

你將近十年的學業和訓練費用高達數十萬美元，而且

on top of that, you'll only start making six figures after residency, which is seven to 12 years after someone who pursued a career in engineering, coding, finance or entrepreneurship.

更別說，你得等到住院醫師訓練結束後才能開始賺取六位數的薪水，這比那些選擇工程、程式設計、金融或創業領域的人晚了七到十二年。

If you're an aspiring physician concerned about debt, put in the time as soon as possible to advance your financial education.

如果你是擔心債務的未來醫師，請盡早投入時間來進修你的財務知識。

Read books, learn from successful mentors, and

閱讀書籍、向成功的導師學習，並且

watch YouTube videos like the ones in our Money Investing and Finances playlist on this channel.

觀看我們頻道上的「金錢投資與理財」播放清單中的 YouTube 影片。

This includes why Are so Many Doctors broke, student loans 101 and common doctor financial mistakes.

這包括了「為什麼這麼多醫生都破產」、「助學貸款 101」以及「常見的醫生財務錯誤」。