為什么在美國(guó)沒(méi)有全民健康保險(xiǎn)？保險(xiǎn)有很多種應(yīng)該怎么選

今天的這段對(duì)話，在討論健康保險(xiǎn)，

為什么在美國(guó)沒(méi)有全民健康保險(xiǎn)？保險(xiǎn)有很多種應(yīng)該怎么選

來(lái)聽(tīng)今天的講解:

A: I want to ask you about something.

我想請(qǐng)教你一些事。

B: Yes?

請(qǐng)說(shuō)。

A: My colleagues at work say I should get health insurance. What do you think?

我的同事說(shuō)我應(yīng)該要有健康保險(xiǎn)，你認(rèn)為呢？

B: I think it's important. I can give you my insurance agent's card if you want.

那很重要。如果你要的話，我可以給你我保險(xiǎn)代理人的名片。

A: But I'm not sure what kind I need.In Taiwan, we have a national insurance program. But here you have nothing.

但是我不確定需要哪一種。在臺(tái)灣我們有全民健康保險(xiǎn)的方案，但是這里什么都沒(méi)有。

B: Yes, I know. Many countries have national health insurance. America doesn't.

是的，我知道很多國(guó)家都有全民健康保險(xiǎn)，而美國(guó)沒(méi)有。

A: Why is that?

為什么會(huì)這樣？

B: Well, it's because of American culture.Most Americans think the government should be small.That means the government should not be in charge of everything.Americans think private companies can do things better than the government can.So we depend on private companies for insurance.

那是美國(guó)文化的緣故。大多數(shù)的美國(guó)人認(rèn)為政府應(yīng)該精簡(jiǎn)。就是說(shuō)政府不應(yīng)該掌控每件事。他們認(rèn)為民營(yíng)企業(yè)可以做得比政府好。所以我們的保險(xiǎn)全靠私人公司。

A: But isn't that expensive? I mean, what about poor people?Can they afford insurance too?

那樣不是比較貴嗎？那么窮人怎么辦？他們付擔(dān)得起保費(fèi)嗎？

B: You're right, Emily. It is expensive.And many people criticize the American way. They say it is not fair to poor people.They say the health systems are better in other countries. Especially in Europe.

沒(méi)錯(cuò)，是很貴,愛(ài)茉莉。很多人批評(píng)美國(guó)的做法，說(shuō)這樣對(duì)窮人不公平。他們說(shuō)健康體制在其它國(guó)家做得比較好，特別是歐洲國(guó)家。

A: But what do you think?

那么你認(rèn)為呢？

B: I don't know. I just do my best to have good insurance. It's important.

我不知道。我盡力找個(gè)好的保險(xiǎn)就是了，這很重要。

A: It's confusing, though. There are so many companies.And so many different kinds of insurance. What should I get?

這真讓人困擾，有那么多家公司。那么多種保險(xiǎn)，我要選什么呢？

B: I like the company I have now.So I recommend them. What you need to decide is what kind of coverage you want.

我喜歡我現(xiàn)在的保險(xiǎn)公司。所以我推薦他們。你要做的是決定要什么保險(xiǎn)項(xiàng)目。

A: Coverage?

保險(xiǎn)項(xiàng)目？

B: Yes. Coverage means what the insurance will cover.For example, maybe you plan to have a baby. Then you should choose an insurance that covers pregnancy. Otherwise, you shouldn't pay for pregnancy coverage. Do you understand?

是的，是指你想要保哪些險(xiǎn)。例如你計(jì)劃生小孩的話就要保懷孕險(xiǎn)。不然你就不用付懷孕項(xiàng)目的保費(fèi)，了解嗎？

A: Yes. So I need to talk to the agent.

是的。所以我需要和代理人談?wù)劇?/font>