ADM-201 dump PMP dumps pdf SSCP exam materials CBAP exam sample questions

我可以不买医疗保险吗? – 译学馆
未登陆,请登陆后再发表信息
最新评论 (0)
播放视频

我可以不买医疗保险吗?

I'm Young & Healthy, Can I Skip Health Insurance?

呃……我们的健康保险账单又涨价了
Urgh … our health insurance bill is goingup again!
每年我们所支付的钱
For what we pay every year we could
都可以为我们的房子添加另一个房间
add another room onto our house. Sheesh,
你说得对
you’re right.
我们似乎在为一项我们几乎不使用的服务
It seems like we’re paying more and more
支付越来越多的费用
for a service we barely use.
我做瑜伽
I do yoga.
然后吃蔬菜
And eat all my veggies.
我们很少生病
We hardly everget sick.
既然现在购买健康保险不是强制的了
Now that we’re no longer required to purchase health insurance,
这不竟让我想到
it kind of makes me wonder…
我们应该购买健康保险吗?
should we be paying for it at all?
我们可以自己把保费收入的囊中
We could pocket the premiums ourselves.
然后如果我们生病了或者受了伤
And if we get sick or hurt down the line,
我们能用那些钱来付账
we can just use that money to pay the bills.
但是如果我们受了重伤呢?
But what if we have a serious injury?
就像你上次感恩节火鸡起火事件
Like your turkey fryer incident last Thanksgiving.
别担心 我们可以众筹去付账单
No sweat. We can just crowd-source money forthe bills.
我总能看见人们在脸谱网上筹款
I see people on Facebook fundraising
用于支付医疗费用!
for medical costs all the time! Great!
好极了!不过 我认为你应该放弃你危险的极限跑酷
Although I do think you should quityour extreme parkour.
只要你放弃刀杂耍 我就能放弃
Only if you give up knife-juggling.
那我们说好了
Deal.
你是否曾经好奇过
Have you ever found yourself wondering
如果你不买健康保险会怎样?
if you should just skip out on the whole health
如果你的工作没有为你交五险一金
insurance thing? If you don’t have coverage offered
它将会成为你每月
through your job, it’s a pretty
占比很高的开支
heft monthly expense.
在2018年 私人保险计划的平均费用为每人每月440美元
In 2018 the averageprivate insurance plan cost $440/mo for an
家庭平均费用则为1168美元!
individual and $1,168 for family coverage!
用这些钱 我能去一趟
For that kind of dough, I could afford that
日本旅行或者买一只迷你猪!
trip to Japan or buy a miniature pig!
最近在平价医疗法案里 废除了个人强制保险
With the recent repeal of the individual mandate within the Affordable Care Act,
一些年轻人或者健康的人可能会想
some younger, healthier people might be left wondering,
“我应该每年为一项可能永远不会用到的服务
“ Should I pay thousands of dollars each
支付数千美元吗?”
year for a service I’ll probably never use?”
我们用玛利亚举例子
Take Maria here.
她刚毕业
She just graduated
拥有硕士学位并为科技创业公司工作
with a Master’s degree and works for a tech startup
公司不提供健康保险或者退休金
that doesn’t offer health insurance or retirementoptions.
她挣得太多
She’s making too much to qualify
因此不能享受医疗保健补助的资格
for subsidized healthcare,
所以她不得不每月支付375美元在她的个人健康保险上面
so she has to pay $ 375 a month for her individual health insurance policy.
但她是个酷爱跑步的人
But she’s an avid runner,
通常吃有机的食物
eats mostly organic, and hasn
而且已经五年没生病了
’ t been sick in 5 years.
所以这笔钱可能用于她的退休生活
That money that could be going to her retirement,
或者存起来买房子!
or savings to buy a house!
玛莉亚将会面临什么
What might happen to Maria
如果她决定取消保险单
if she decides to cancel her policy in order to fast-track
而将这些钱用在其他方面?
other financial priorities?
我认为是时候……计算!
I think it’s time to… RUN THE NUMBERS!
如果玛利亚决定取消她的健康保险单
If Maria decides to cancel her health insurance policy,
她预期每年能多存大概4500美元
she can expect to save around $ 4,500
但她仍要为了偶然的轻伤或者疾病
a year. But she’ll still prepare
每年留出1000美元
for the occasional minor injury or illness, by setting
看医生或者偶然的急救
aside $1,000/yr for doctor visits or occasionalurgent care.
如果她把每年剩的3500美元
If she stashes what’s left
定存赚取2.5%的利息 仅需五年她就能得到18857美元!
[$3,500/yr] in a CD earning 2.5% interest,in just 5 years she’ll have $18,857! Maria
玛莉亚只需要在接下来的五年内保持健康
just has to stay relatively healthy for the next five years,
就能持续获取收益
and she’s gamed the system.
好景不长
Things are going fine for a while.
在她这样做的第三年
And then in her third year
玛莉亚遭遇了
of the plan, Maria is in
一场严重的车祸
a serious car accident.
汽车保险只够支付她很小一部分的医药费
Auto insurance wouldonly pay a fraction of her medical costs.
支付了所有的医院 手术 和救护车的费用
After all the hospital, surgery and ambulance bills,
玛莉亚欠下58000美元的医药费
Maria is left with $ 58,000 in medical
和8000美元信用卡账单
debt and an additional $ 8,000
用于支付康复阶段的费用
on credit cards she used to pay her bills while recovering
玛莉亚很绝望 于是她加入了GoFundMe活动
($66,000 in debt) Desperate, Maria launchesa GoFundMe campaign, joining the 250,000 other
成为在这个平台上尝试获得捐款帮助的25万人中的一员
people who use the platform every year to try and help pay medical bills.
她最终获得了一个不高也不低的捐款
And she ends up raising
只有3000美元
the average amount: only $3,000.
面对63000美元的债务 她的父母决定帮助她
Facing $63,000 in debt, her parents decideto help.
他们用自己的房子做抵押
They take out a line of credit on
将获得的贷款用于
their home, using the money to pay
支付玛莉亚的全额账单
off Maria’s debts in full.
两年后 当玛利亚的爸爸
Two years later, when Maria’s
因为自身健康状况不佳而被迫退休
dad is forced to retire because of his own health problems,
他们拖欠抵押账款
they fall behind on their
并且连房子也要不回来
mortgage payments and lose the house. Granted,
不错
the chances of a sudden,
像玛莉亚一样健康的年轻人
costly medical problem hitting someone
遇到的意外的几率很小
young and healthy like Maria are slim…
但并不代表它就不重要
but not insignificant.
一个2011年的调查发现
A 2011 survey found that people between the
25到34岁之间的人有1/10的概率
ages of 25-34 had a 1 in 10 chance of getting hit
被13000美元的医疗账单砸中
with a medical bill of $ 13,000 or more,
和1/20的概率要支付27000美元的医药费
and a 1 in 20 chance of at least a $ 27,000 bill.
考虑到那种财务损失
Considering the lifetime of financial damage that that kind
在一生中对你和你的家庭会产生的影响
of price tag can do to you
这些事发生的可能性不能被轻视
or your family, those odds are not to be takenlightly. Besides,
另外 保险中最重要的一点
the whole point of insurance
是为了保护你免受可能不会发生的事情的伤害
is to protect you from really bad things that probably won’t happen.
没人买保险
No one buys insurance
会希望用到它
hoping they’ll get to use it.
有没有一种折衷的办法
Is there a middle path
让玛莉亚既可以存一些钱
that Maria could have taken that would have allowed her to save something,
还能抵御大灾?
but also protected against a catastrophe? Well,
她本来可以申请一个高免赔额的健康计划
she could have enrolled in a High Deductible
这些的保费更低 且能在糟糕的事情发生时
Health Plan [$220/month]. These have lowerpremiums and will help you if something really
真的帮助到你 但通常不涵盖日常医疗费用
bad happens, but don’t typically cover routinemedical costs.
大多数保险公司都提供这样的选择
Most insurance providers offer
同时它们可能非常适合
such options, and they can be a good fit
年轻人和健康的人来选择
for young, healthy people.
但玛莉亚仍然需要
But Maria would still be on the hook
每天去看医生和吃药
for everyday doctor’s visits and medications, so she
所以她每年可以为此留出1000美元
could still set aside $ 1000 a year for that purpose,
但 是存进健康储蓄账户
but put it into a Health Savings Account,
这样她就不用为这笔钱付税
which allows her to deduct that moneyfrom her taxes.
支付医疗费用剩下的钱
And anything that’s not
都会成为她退休储蓄的一部分
used for medical expenses becomes part ofher retirement savings.
健康储蓄账户
Health Savings Accounts
只适用于高免赔额的健康计划人士
are available only to people with High Deductible Health Plans,
可以从你的保险公司推荐的银行
and can be started at your insurance
或你自己的选择的银行办理
provider’s recommended bank, or one of yourown choosing.
想象一下 如果玛丽亚出了车祸 但有这个保险
Imagine if Maria got into that car accidentwith this scenario.
她最多
The most she’d have
要自掏腰包付4000美元
to pay out of pocket is $4,000.
如果她保持安全和健康
And if she stays safe and healthy,
她健康储蓄账户里的钱会不断堆攒
healthy she’ll be stashing money away into her HSA
这些钱以后可以用于退休
that could later be used for retirement
甚至还剩下一些钱买房
and even have a little left over to start saving for a home.
最重要的是她知道
Most importantly, she know
自己没有把自己或亲人的财务未来
she’s not putting her financial future or that of her loved ones
置于危险中
ones–in jeopardy.
这就是今天的《两分钱》观点!
And that’s our Two Cents!
你知道其他有创意的方法来解决医疗保险的高成本吗?
Do you know other creative solutions to the high costs of health insurance?
请在评论中告诉我们
Let us know about them in the comments.

发表评论

译制信息
视频概述

如果我年轻又健康,需要买医疗保险吗?

听录译者

收集自网络

翻译译者

客居伦敦

审核员

审核员BZ

视频来源

https://www.youtube.com/watch?v=WTtjmdyTCRM

相关推荐