依靠家庭收入、附加保费和开支的成本分摊，比如共同支付和扣除条款，健康保险会得到津贴从而让更多人买得起。
Depending on a family's income, premiums and cost-sharing expenses, like co-payments and deductibles, would be subsidized to make health care more affordable.
保险公司要维持运作，必须依赖某种特定的客户搭配：他们需要一定的健康人群(低风险)来支付保险费，这类人实际很少需要补偿，由此保险费可以在客户间分摊。
Insurance companies depend on a mix of clients: they need a certain number of healthy individuals (low-risk) to pay premiums and not use a lot of services so that the premium prices can average out.
比例再保险是按照比例分摊保费与损失。
In proportional reinsurance, the premium and loss payment are apportioned as the "share".
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