For costs like electricity and insurance, it can pay to pool your buying power with others and negotiate bulk discounts, especially if you run a small business.

对于电费和保险等成本，你有必要与他人一起购买，商谈批量折扣，特别是如果你经营的是一家小公司。

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Under one model the insurance pool would function like a reserve fund, offering participants a short-term credit line they could call upon during a crisis.

在一种模式下，保险库可起到储备基金的作用，为参与者提供短期信贷，在危机到来时便可向其求助。

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Small employers burdened with health-care costs would be able to use a nationwide “purchasing pool” for insurance.

那样的话，负担医疗费用的小型雇用单位就能将全国的“购买集合资金”用于保险支出。

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The insurance pool is the Mutual Mortgage Insurance (MMI) Fund and a Congressional mandate requires that this fund maintain a 2% reserve.

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But as these workers leave traditional insurance, the risk pool in other insurance plans will worsen and premiums will rise even faster.

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You expanded the pool of insurance without controlling costs.

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