Safety is a cheap and effective insurance policy.

安全是廉价而有效的保险策略。

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Some programmes, such as unemployment insurance, have grown less effective.

有些项目比如失业保险，已经不如以前有效率。

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When asked if insurance firms should be obliged to pay for expensive treatments that have not been proved more effective than a cheaper alternative, 56% say yes.

当人们被问到保险公司是否必须支付昂贵的医疗费，而这些费用没有证明比另一种便宜的医疗方案更有效时，有56%给了肯定回答。

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For services not deemed cost effective, insurance companies can sell policies to cover the additional care and niceties.

FORBES: Should Health Care Rationing Be Mandatory?

Such market health insurance has to pay the doctors and hospitals sufficiently to enable those with that insurance to obtain timely, effective health care, or their insurance would have no customers.

FORBES: Move up http://i.forbesimg.com t Move down

Additionally, the new reporting requirements will help identify those taxpayers who will be subjected to the so-called Cadillac tax on high-dollar insurance plans (effective in 2018).

FORBES: New W-2 Reporting Requirements for Health Care Confusing Taxpayers (Already)