Private health insurance would make such excessive saving unnecessary by pooling relatively small premiums from individuals – or from their employers – and then paying out to those who are hit with large medical bills.
私人健康保险能够将来自个人——或他们的雇主——的相对较小的保险金集中起来，为遭遇大病者支付高额医药费，从而让过度储蓄不再必不可少。