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Society
Risk Pooling in Health Insurance
Charging smokers more
Updated: 2025.12.03
3 min read · Intermediate
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Risk Pooling in Health Insurance
의료보험료 분담
Discussion Questions
Q1
In your own words, please briefly summarize the article.
여러분의 언어로 교재를 간단히 요약해 주세요.
Q2
What part of the reading resonated with you most?
이번 교재에서 가장 공감하는 내용은 무엇인가요?
Q3
Do you think smoking habits have an impact on overall health-care costs? Why or why not?
흡연이 전체 의료비에 영향을 준다고 생각하시나요? 그 이유는 무엇인가요?
Q4
Have you ever seen someone trying to quit smoking? What challenges do people usually face?
주변에서 금연을 시도하는 사람을 본 적 있으신가요? 사람들이 보통 어떤 어려움을 겪는다고 보시나요?
Q5
Do you think higher insurance costs could motivate people to change their smoking habits? Why?
보험료가 더 비싸진다면 사람들이 흡연 습관을 바꾸는 데 도움이 될 수 있다고 생각하시나요? 그 이유는 무엇인가요?
Q6
Do you think different lifestyle choices can affect the cost of health care for everyone? Explain.
생활 방식이나 습관의 차이가 모두의 의료비에 영향을 줄 수 있다고 생각하시나요? 설명해 주세요.
Q7
Do you think it is fair for everyone to share health-care costs equally, regardless of habits or lifestyle? Why?
생활 방식이나 습관과 관계없이 모두가 의료비를 똑같이 부담하는 것이 공평하다고 생각하시나요? 그 이유는 무엇인가요?
Q8
Have you seen examples in your country where certain behaviors (like smoking or drinking) lead to higher medical costs?
여러분의 나라에서 흡연이나 음주 같은 특정 행동이 의료비 증가로 이어지는 사례를 본 적 있으신가요?
Q9
Do you think government policies should encourage healthy behavior? How?
정부 정책은 건강한 행동을 장려해야 한다고 생각하시나요? 그렇다면 장려를 위해 어떻게 할 수 있을까요?
Q10
If you were designing an insurance policy, what rules would you include to make it fair for everyone?
만약 여러분이 보험 정책을 설계한다면, 모두에게 공정하게 만들기 위해 어떤 규칙을 포함시키시겠어요?
Q11
If you have a question or questions that you'd like to discuss during your class, please write them down.
궁금한 점이 있거나 수업 중에 얘기해 보고 싶은 질문이 있으면 적어주세요.
Expressions
subsidize
to support something financially; to help pay for something
例句
1

Many governments subsidize renewable energy projects.

例句
2

The program was created to subsidize education costs for low-income families.

contentious
likely to cause disagreement or argument
例句
1

The proposal became a contentious issue among policymakers.

例句
2

Raising taxes is always a contentious topic.

shoulder the burden of
to take responsibility for something difficult or heavy
例句
1

Consumers often shoulder the burden of rising fuel prices.

例句
2

Small businesses had to shoulder the burden of new regulations.

surcharges
extra fees added to the regular cost
例句
1

Airlines often add fuel surcharges during peak seasons.

例句
2

The bill included surcharges for late payment.

accountable
responsible for actions and able to explain or justify them
例句
1

Companies must be accountable for their environmental impact.

例句
2

Students are accountable for completing assignments on time.

본 교재는 당사 편집진이 제작하는 링글의 자산으로 저작권법에 의해 보호됩니다. 링글 플랫폼 외에서 자료를 활용하시는 경우 당사와 사전 협의가 필요합니다.
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*本教材是專爲使用Ringle學習英文的學員設計。