Like a measure in the House, the $871 billion Senate bill would create new private insurance marketplaces,or exchanges, to expand choices for Americans.

VOA: standard.2009.12.24

When they invented fire insurance, in the 1600s, there was a lot of skepticism because anyone can burn down their house.

十七世纪时，人们发明了火险，当时存在很多质疑,因为任何人都可以烧毁他们的房子。

耶鲁公开课 - 金融市场课程节选

I get fire insurance on my house and so I behave badly: I deliberately burn the house down to collect on my insurance.

我为我的房子投了火险，于是我就：,我故意烧毁房屋,以便领走保险金。

耶鲁公开课 - 金融市场课程节选

The House wants a government-run health care program to compete in the insurance marketplace.

VOA: standard.2009.12.27

Now, how can the insurance company ever evaluate every house properly to avoid that?

如今，保险公司是如何准确评估,每一个房屋的价值而避免那种情况呢？

耶鲁公开课 - 金融市场课程节选

Also,like the House bill, nearly all Americans would be required to purchase some form of insurance, while lower-income Americans would receive help from federal government subsidies.

VOA: standard.2009.12.24

The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.

有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付

耶鲁公开课 - 金融市场课程节选

The House wants a government-run health insurance plan to compete with private insurers.

VOA: standard.2009.12.25

They said, it's not going to work because you have to decide how much the house is insured for and then anybody--If you ever make a mistake and you insure it for too much, then the people who realize they've got one on the insurance company-- they've insured the house for more than it's worth-- they'll burn down their house and collect the money.

他们说，火险根本无法实施,因为你必须判断,这房子的保价是多少,一旦你出现了一些失误,保价评估得过高，那些意识到他们可能会从,保险公司赚利的人们-,即保险公司的保价高于房子的实际价值-,他们就会烧掉自己的房子来赚钱。

耶鲁公开课 - 金融市场课程节选

Both the Senate and House measures would require nearly all Americans to purchase some form of insurance, while lower-income Americans would receive help from federal government subsidies.

VOA: standard.2009.12.25

Representative Jim Clyburn, who is responsible for generating Democratic votes in the House, has suggested that government-sponsored insurance could be implemented gradually in "pilot programs" across the country.

VOA: standard.2009.09.09

But while both the House and Senate bills aim to help the roughly 30 million Americans with no health care insurance, there are big differences in legislative language.

VOA: standard.2009.12.25

I could count them on two fingers." There has been more support for a government-run health insurance program in the House of Representatives, which has a larger Democratic majority.

VOA: standard.2009.10.26

House Speaker Nancy Pelosi says many Democrats remain committed to a sweeping reform plan that would expand health insurance coverage to millions of Americans who currently do not have it.

VOA: standard.2009.09.04

Those of us who have insurance," In closed door negotiations, House Democrats are trying to overcome objections from fiscally-conservative Democrats who are not satisfied with cost reductions in the emerging measure.

VOA: standard.2009.07.21

Of course,the biggest difference between the two bills, and one likely to cause the most friction in House-Senate negotiations, involves the so-called "public option" or competing insurance the government would offer.

VOA: standard.2009.12.25

These talks, which will formally get under way early in the new year, will take place amid anger among many liberal House Democrats the Senate bill failed to contain a government-run insurance option.

VOA: standard.2009.12.25

As the president was preparing to make his remarks at the White House, outrage was building over word a major American insurance company,AIG, was going ahead with millions of dollars in bonus payments to its executives.

VOA: standard.2009.03.16

Negotiations with the House of Representatives to craft a final bill for President Obama will be difficult because of some major differences, notably the House bill's provision for a government-run health insurance option, absent from the Senate measure.

VOA: standard.2009.12.24

While the House bill would immediately bar private insurance companies from denying coverage or raising insurance premiums based on age or gender, the Senate would wait until 2014 for this to take effect, except for children who would be covered immediately.

VOA: standard.2009.12.25

At an estimated $87 billion, the measure would expand health insurance coverage to about currently without it,create new private insurance marketplaces, And,like the slightly more expensive measure passed by the House of Representatives, it would end a practice by private insurance companies of denying coverage to individuals with existing health problems.

VOA: standard.2009.12.25