Thus, by encouraging the purchase of health insurance by individuals or employers, the Chinese government could reduce significantly the overall household saving rate. Individuals who have such insurance would be better off, because they would not face the risk of large medical bills and would be able to spend more on other forms of consumption.
因此，中国政府可以通过鼓励个人或雇主购买健康保险大大降低家庭总储蓄率。拥有这类保险的个人境况将得到改善，因为他们不再需要面对大额医药费的风险，从而能够将更多的钱用于各种消费。