...上是通过聚合集体风险来分散个体风险的一种风险转移机制，众多的投保人通过向保险人缴纳保费而聚合成一个“风险池”（risk pool），池内的每一个个体所面临的风险是不可预测的，但精算学却早已证明：在由这些个体所组成的集合里面，风险的分布是有规律可循的，...
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新的公司经常被迫为职工的健康保险花更多钱，因为它们的“风险池”远远比不上大企业。
New firms often have to pay more for their health care because they have smaller “risk pools” than larger companies.
新的公司经常被迫为职工的健康保险花更多钱，因为它们的“风险池”远远比不上大企业。
New firms often have to pay more for their health care because they have smaller "risk pools" than larger companies.
根据健康保障机构说法，浴缸和水疗池也带有类似的感染风险。
Hot tubs and spa pools carry a similar infection risk, according to the Health Protection Agency.
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