<p>作者：布雷特·阿伦兹</p>
<p>特朗普总统终于公布了他的医疗保健计划，并在名称中加入了 “伟大”。以下是它可以改进的地方。</p>
<p>特朗普在上周与石油行业高管的会议上做手势。</p>
<p>唐纳德·特朗普终于公布了他的医疗保健计划，称之为 “伟大的医疗保健计划”。该提案的核心是完全排除私人健康保险公司，这正是自由派几十年来一直要求的。</p>
<p>这位共和党总统提议由联邦政府每年向我们每个人发放支票，以便我们可以直接从医生、医院、药店等处购买自己的医疗保健。</p>
<p>首先要说的是，如果这个计划有任何成为法律的机会，健康保险公司的股票在华尔街应该会暴跌。毕竟，这项法案将摧毁甚至有效地消灭他们的业务。</p>
<p>然而，健康保险公司的股票在公告后实际上上涨了。许多股票上涨了 1% 甚至更多。</p>
<p>投资者并没有受到震动。他们甚至没有感到不安。华尔街认为这个提案没有机会通过国会。</p>
<p>而且，考虑到大型保险公司所拥有的权力、影响力和竞选捐款，华尔街可能是对的。</p>
<p>第二件事是，民主党人，尤其是左翼人士，自 1990 年代以来一直在抨击健康保险公司。在 2009-10 年推动《平价医疗法案》（或称 “奥巴马医改”）期间，保险公司被视为头号公敌。</p>
<p>这种批评是有原因的。通过众多私人保险公司来覆盖美国的医疗费用，正如我们目前所做的，效率极其低下。我们每个人在健康保险保费上花费的每一美元中，大约有 12 美分用于保险公司的管理费用和利润（大部分是管理费用）。</p>
<p>因此，如果自由派希望保持一致，并被视为一致，他们至少会为特朗普提案的这一部分欢呼，尽管他们可能不同意其他部分。</p>
<p>敬请关注……或者不关注。</p>
<p>但特朗普提案的第三个问题是，它引发了各种进一步的问题。</p>
<p>例如，政府会不会给我们每个人发支票，以报销我们在一年中面临的医疗费用？如果是这样，谁会事先批准这些费用？会不会有某种把关者？</p>
<p>或者，政府会不会在年初给我们每个人发支票，然后我们只能希望这笔金额能覆盖我们和家人在接下来的 12 个月中的医疗费用？</p>
<p>假设情况是后者，每年面临灾难性费用的少数人会发生什么？那些患有昂贵和慢性疾病的人又会怎样，他们占据了美国医疗支出的不成比例的份额？或者任何面临大幅费用激增的人呢？</p>
<p>这些问题正是人们购买健康保险的原因。他们不想玩俄罗斯轮盘赌。</p>
<p>有一个想法可以真正改变这个计划，使其成为大多数人都能支持的绝妙方案。如果人们可以用他们的支票购买医疗保险——无论年龄大小？这已经是美国最有效的健康保险计划，并且在客户中比私人保险更受欢迎。</p>
<p>那将真正引发变革——包括在华尔街。</p>
<p>继续阅读：</p>
<p>当民主党候选人辩论奥巴马医改和全民医保时，选民表示他们最大的担忧是医疗和药品费用。</p>
<p>美国人对 “全民医保” 有什么看法？这项民调给出了答案。</p>
<p>观点：“全民医保”？这些医生表示这是可能的——如果医疗保健能接受治疗。</p>
<p>“全民医保” 将对医疗行业产生什么影响</p>
<p>“全民医保” 将如何影响我的医疗和财务？</p>
<p>-布雷特·阿伦兹</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
<p>（完）道琼斯新闻通讯</p>
<p>01-15-26 1452ET</p>

联合健康

<p>特朗普总统公布了他的 “伟大医疗计划”，提议通过政府向个人发放支票以直接购买医疗服务，从而消除私人健康保险。尽管该计划可能会扰乱健康保险公司，但其股票却上涨，显示出华尔街对其立法可行性的怀疑。该提案引发了关于报销流程和灾难性费用覆盖的问题。有人建议允许个人使用这些支票购买医疗保险，这可能会增强该计划的吸引力和效率</p>

<p>By Brett Arends</p>
<div class="lb-trans"><p>作者：布雷特·阿伦兹</p>
</div><p>President Trump has at long last unveiled his healthcare plan, putting 'great' in its name. Here's how it could be better.</p>
<div class="lb-trans"><p>特朗普总统终于公布了他的医疗保健计划，并在名称中加入了 “伟大”。以下是它可以改进的地方。</p>
</div><p>Trump gestures during last week's meeting with oil-industry executives.</p>
<div class="lb-trans"><p>特朗普在上周与石油行业高管的会议上做手势。</p>
</div><p>Donald Trump has at long last unveiled his healthcare plan, branding it the &#34;Great Healthcare Plan.&#34; The core of the proposal is to cut the private health-insurance companies out of healthcare altogether - something liberals have been demanding for decades.</p>
<div class="lb-trans"><p>唐纳德·特朗普终于公布了他的医疗保健计划，称之为 “伟大的医疗保健计划”。该提案的核心是完全排除私人健康保险公司，这正是自由派几十年来一直要求的。</p>
</div><p>The Republican president is proposing that Uncle Sam send each of us a check every year so we can buy our own healthcare directly from doctors, hospitals, pharmacies and so on.</p>
<div class="lb-trans"><p>这位共和党总统提议由联邦政府每年向我们每个人发放支票，以便我们可以直接从医生、医院、药店等处购买自己的医疗保健。</p>
</div><p>The first thing to say is that if this plan had any chance of becoming law, stocks of the health-insurance companies would be plummeting on Wall Street. After all, this bill would devastate, or even effectively destroy, their businesses.</p>
<div class="lb-trans"><p>首先要说的是，如果这个计划有任何成为法律的机会，健康保险公司的股票在华尔街应该会暴跌。毕竟，这项法案将摧毁甚至有效地消灭他们的业务。</p>
</div><p>Instead, health-insurance stocks actually rose after the announcement. Many were up by 1% or even more.</p>
<div class="lb-trans"><p>然而，健康保险公司的股票在公告后实际上上涨了。许多股票上涨了 1% 甚至更多。</p>
</div><p>Investors are not shaken. They are not even stirred. Wall Street thinks this proposal has no chance of getting through Congress.</p>
<div class="lb-trans"><p>投资者并没有受到震动。他们甚至没有感到不安。华尔街认为这个提案没有机会通过国会。</p>
</div><p>And, given the power, influence and campaign donations handed out by big insurance companies, Wall Street may well be right.</p>
<div class="lb-trans"><p>而且，考虑到大型保险公司所拥有的权力、影响力和竞选捐款，华尔街可能是对的。</p>
</div><p>The second thing is that Democrats, and especially those on the left, have been railing against the health-insurance companies since at least the 1990s. Back during the push for the Affordable Care Act - or &#34;Obamacare&#34; - in 2009-10 the insurance companies were treated as public enemy No. 1.</p>
<div class="lb-trans"><p>第二件事是，民主党人，尤其是左翼人士，自 1990 年代以来一直在抨击健康保险公司。在 2009-10 年推动《平价医疗法案》（或称 “奥巴马医改”）期间，保险公司被视为头号公敌。</p>
</div><p>There is a reason for the criticism. Covering America's health costs through a plethora of private insurance companies, as we do at the moment, is woefully inefficient. Out of every dollar you or I spend on our health-insurance premiums, about 12 cents go to the insurance companies in overhead and profits (mostly overhead).</p>
<div class="lb-trans"><p>这种批评是有原因的。通过众多私人保险公司来覆盖美国的医疗费用，正如我们目前所做的，效率极其低下。我们每个人在健康保险保费上花费的每一美元中，大约有 12 美分用于保险公司的管理费用和利润（大部分是管理费用）。</p>
</div><p>So, if liberals want to be consistent, and to be seen to be consistent, they will give at least one cheer for this part of Trump's proposal, even if they disagree with other parts of it.</p>
<div class="lb-trans"><p>因此，如果自由派希望保持一致，并被视为一致，他们至少会为特朗普提案的这一部分欢呼，尽管他们可能不同意其他部分。</p>
</div><p>Stay tuned ... or not.</p>
<div class="lb-trans"><p>敬请关注……或者不关注。</p>
</div><p>But the third thing about Trump's proposal is that it raises all sorts of further questions.</p>
<div class="lb-trans"><p>但特朗普提案的第三个问题是，它引发了各种进一步的问题。</p>
</div><p>For example, would the government, say, send each of us checks to reimburse us for the healthcare costs we'd faced over the course of the year? If so, who would approve these expenses in advance? Would there be some kind of gatekeeper?</p>
<div class="lb-trans"><p>例如，政府会不会给我们每个人发支票，以报销我们在一年中面临的医疗费用？如果是这样，谁会事先批准这些费用？会不会有某种把关者？</p>
</div><p>Or, instead, would the government send each of us a check at the start of the year, and then we'd have to just hope that this amount covered our health expenses, and those of our families, over the next 12 months?</p>
<div class="lb-trans"><p>或者，政府会不会在年初给我们每个人发支票，然后我们只能希望这笔金额能覆盖我们和家人在接下来的 12 个月中的医疗费用？</p>
</div><p>Assuming the latter is the case, what would happen to the small number of people each year faced with catastrophic costs? What would happen to those with expensive and chronic conditions, who account for such a disproportionate amount of America's healthcare spending? Or to anyone faced with a big spike in costs?</p>
<div class="lb-trans"><p>假设情况是后者，每年面临灾难性费用的少数人会发生什么？那些患有昂贵和慢性疾病的人又会怎样，他们占据了美国医疗支出的不成比例的份额？或者任何面临大幅费用激增的人呢？</p>
</div><p>These problems are why people buy health insurance in the first place. They don't want to play Russian roulette.</p>
<div class="lb-trans"><p>这些问题正是人们购买健康保险的原因。他们不想玩俄罗斯轮盘赌。</p>
</div><p>There's one idea that could really transform this plan and make it a humdinger that most people could support. What if people could use their checks to buy into Medicare - at any age? It is already the most efficient health-insurance program in the country, and it is more popular with its customers than private insurance.</p>
<div class="lb-trans"><p>有一个想法可以真正改变这个计划，使其成为大多数人都能支持的绝妙方案。如果人们可以用他们的支票购买医疗保险——无论年龄大小？这已经是美国最有效的健康保险计划，并且在客户中比私人保险更受欢迎。</p>
</div><p>Now that would really shake things up - including on Wall Street.</p>
<div class="lb-trans"><p>那将真正引发变革——包括在华尔街。</p>
</div><p>Read on:</p>
<div class="lb-trans"><p>继续阅读：</p>
</div><p>As Democratic candidates debate Obamacare and Medicare for All, voters say their biggest concerns are health-care and drug costs</p>
<div class="lb-trans"><p>当民主党候选人辩论奥巴马医改和全民医保时，选民表示他们最大的担忧是医疗和药品费用。</p>
</div><p>How do Americans feel about 'Medicare-for-All'? This poll has the answer.</p>
<div class="lb-trans"><p>美国人对 “全民医保” 有什么看法？这项民调给出了答案。</p>
</div><p>Opinion: 'Medicare for All'? These doctors say it's possible - if healthcare takes its medicine.</p>
<div class="lb-trans"><p>观点：“全民医保”？这些医生表示这是可能的——如果医疗保健能接受治疗。</p>
</div><p>What 'Medicare for All' would do to the healthcare sector</p>
<div class="lb-trans"><p>“全民医保” 将对医疗行业产生什么影响</p>
</div><p>How would 'Medicare for All' affect my health care and finances?</p>
<div class="lb-trans"><p>“全民医保” 将如何影响我的医疗和财务？</p>
</div><p>-Brett Arends</p>
<div class="lb-trans"><p>-布雷特·阿伦兹</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（完）道琼斯新闻通讯</p>
</div><p>01-15-26 1452ET</p>
<div class="lb-trans"><p>01-15-26 1452ET</p>
</div>

有一件事情可以让特朗普的 ‘伟大医疗计划’ 更加完美