对医疗保险的认识感想和看法英文作文
全文共6篇示例，供读者参考
篇1
sort of和kind of    My Views on Health Insurance
    Hi there! My name is Jamie and I'm 10 years old. Today I want to share my thoughts on something called health insurance. It's a pretty important topic that affects just about everybody.
    Health insurance is kind of like a safety net or backup plan in case you get sick or injured. See, doctor visits and hospital stays can cost a huge amount of money. Like, astronomical amounts that most families couldn't afford to pay out of their own pockets. That's where health insurance comes in.
    Here's how it works: You pay a health insurance company a fee every month, which is call
ed a "premium." In exchange, if you end up needing to go to the doctor or hospital, the insurance company will cover most or all of the costs. So instead of you having to shell out tens of thousands of dollars, you only pay a small portion called a "co-pay" or "deductible." Pretty cool, right?
    My parents both have health insurance through their jobs. I'm really glad they do, because a couple years ago I broke my arm after falling off the monkey bars at school. That trip to the emergency room and the surgery to get it set would have cost an arm and a leg (no pun intended!) without insurance covering it. I just had to pay the co-pay, which was somewhere around 50 if I remember right.
    Some people don't think they need health insurance because they feel young and healthy. But here's the thing - accidents and illnesses can happen to anyone at any time, regardless of age. My grandpa was an extremely active guy who ate right and exercised religiously. You'd think he'd be the picture of health. But then he got diagnosed with cancer last year out of nowhere. Thank goodness he had Medicare (which is health insurance for s
enior citizens) to help pay for his treatments. The costs have been astronomical from what I understand.
    Not having health insurance is kind of like driving without car insurance. You're just one fender bender or health issue away from incredible expenses you can't afford. It's a huge risk that doesn't seem worth it to me. I'd much rather pay the monthly premiums for the peace of mind.
    And don't even get me started on the complexity of it all! There are so many different insurance plans with various levels of coverage. HMOs, PPOs, high-deductible plans - it makes my head spin. Then you have to worry about whether doctors and hospitals are "in-network" or not. Knowing what's covered or not gets really confusing really fast.
    My parents spend forever every year during the open enrollment period trying to figure out which insurance plan makes the most sense for our family's needs and budget. I'm just glad I don't have to deal with all those headaches yet. Though I'm sure I'll be complaining about this stuff once I'm an adult too!
    Even with its flaws though, I think health insurance is super important overall. Medical care is just too expensive to realistically pay out of pocket these days. Hospitals and doctors have to charge those high rates for all their expensive equipment, trained staff, and other costs of staying open. So unless you're a multi-billionaire, you're probably going to need insurance.
    That's just my ten cents as a kiddo, though. What do you adults think about this health insurance thing? I've still got a lot to learn for sure. But those are my views after seeing its importance with my broke arm and Grandpa's cancer battle. Stay healthy, friends!
篇2
    Understanding Health Insurance: A Kid's Perspective
    Hi there! My name is Emily and I'm in 5th grade. Today, I want to share my thoughts on something called health insurance. It's a pretty important topic that many adults talk about, but I think us kids should understand it too.
    You see, when people get sick or hurt, they need to go to the doctor or hospital to get treatment. But have you ever noticed how expensive that can be? Just a simple visit to the pediatrician can cost a lot of money. And if you need any kind of surgery or have to stay in the hospital for a few days, the bills can add up to thousands of dollars! That's where health insurance comes in.
    Health insurance is like a special kind of plan that helps pay for your medical costs. Your parents (or whoever is taking care of you) pay a fixed amount of money every month or year to an insurance company. In return, that company agrees to cover a big portion of the medical bills whenever you need to see a doctor or go to the hospital.
    It's kind of like having your own personal money pool for healthcare expenses. Your parents put a little bit into the pool regularly, and then when you need it, you can take money out of that pool to pay for doctors, medicines, X-rays, and all sorts of other medical stuff.

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