- 阅读理解A
题干:Duringthepastgeneration,theAmericanmiddle-classfamilythatoncecouldcountonhardworkandfairplaytokeepitselffinanciallysecurehasbeentransformedbyeconomicriskandnewrealities.Nowapinkslip,abaddiagnosis,oradisappearingspousecanreduceafamilyfromsolidlymiddleclasstonewlypoorinafewmonths.Injustonegeneration,millionsofmothershavegonetowork,transformingbasicfamilyeconomics.Scholars,policymakers,andcriticsofallstripeshavedebatedthesocialimplicationsofthesechanges,butfewhavelookedatthesideeffect:familyriskhasrisenaswell.Today'sfamilieshavebudgetedtothelimitsoftheirnewtwo-paycheckstatus.Asaresult,theyhavelosttheparachutetheyoncehadintimesoffinancialsetback-aback-upearner(usuallyMom)whocouldgointotheworkforceiftheprimaryearnergotlaidofforfellsick.This“added-workereffect"couldsupportthesafetynetofferedbyunemploymentinsuranceordisabilityinsurancetohelpfamiliesweatherbadtimes.Buttoday,adisruptiontofamilyfortunescannotlongerbemadeupwithextraincomefromanotherwise-stay-at-homepartner.Duringthesameperiod,familieshavebeenaskedtoabsorbmuchmoreriskintheirretirementincome.Steelworkers,airlineemployees,andnowthoseintheautoindustryarejoiningmillionsoffamilieswhomustworryaboutinterestrates,stockmarketfluctuation,andtheharshrealitythattheymayoutlivetheirretirementmoney.Formuchofthepastyear,PresidentBushcampaignedtomoveSocialSecuritytoasavings-accountmodel,withretireestradingmuchoralloftheirguaranteedpaymentsforpaymentsdependingoninvestmentreturns.Foryoungerfamilies,thepictureisnotanybetter.Boththeabsolutecostofhealthcareandtheshareofitbornebyfamilieshaverisen-andnewlyfashionablehealth-savingsplansarespreadingfromlegislativehallstoWal-Martworkers,withmuchhigherdeductiblesandalargenewdoseofinvestmentriskforfamilies'futurehealthcare.Evendemographicsareworkingagainstthemiddleclassfamily,astheoddsofhavingaweakelderlyparent-andalltheattendantneedforphysicalandfinancialassistance-havejumpedeightfoldinjustonegeneration.Fromthemiddle-classfamilyperspective,muchofthis,understandably,looksfarlesslikeanopportunitytoexercisemorefinancialresponsibility,andagooddealmorelikeafrighteningaccelerationofthewholesaleshiftoffinancialriskontotheiralreadyoverburdenedshoulders.Thefinancialfallouthasbegun,andthepoliticalfalloutmaynotbefarbehind.
题目:According to the author, health-savings plans will_____. - A 、help reduce the cost of healthcare
- B 、popularize among the middle class
- C 、compensate for the reduced pensions
- D 、increase the families investment risk
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【正确答案:D】
细节题。第三段第五句提到,健康储蓄计划意味着未来家庭的医疗保健将需要支付更高的 预付额并面临大量新增的投资风险。这说明,健康储蓄计划会增加家庭的投资风险。D选 项为正确选项。
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