{"id":607618,"date":"2025-12-03T11:07:23","date_gmt":"2025-12-03T19:07:23","guid":{"rendered":"https:\/\/nai500.com\/?p=607618"},"modified":"2025-12-03T11:07:23","modified_gmt":"2025-12-03T19:07:23","slug":"%e6%8e%a8%e5%8a%a8%e5%8c%bb%e7%96%97%e4%bd%93%e7%b3%bb%e5%b4%a9%e6%ba%83%e7%9a%84%e9%9a%90%e5%bd%a2%e8%b5%84%e4%ba%a7%e8%b4%9f%e5%80%ba%e8%a1%a8","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2025\/12\/%e6%8e%a8%e5%8a%a8%e5%8c%bb%e7%96%97%e4%bd%93%e7%b3%bb%e5%b4%a9%e6%ba%83%e7%9a%84%e9%9a%90%e5%bd%a2%e8%b5%84%e4%ba%a7%e8%b4%9f%e5%80%ba%e8%a1%a8\/","title":{"rendered":"\u63a8\u52a8\u533b\u7597\u4f53\u7cfb\u5d29\u6e83\u7684\u9690\u5f62\u8d44\u4ea7\u8d1f\u503a\u8868"},"content":{"rendered":"<p>\u6096\u8bba\u5f88\u7b80\u5355\uff1a\u6211\u4eec\u5728\u533b\u7597\u4e0a\u7684\u652f\u51fa\u8d8a\u591a\uff0c\u4f3c\u4e4e\u83b7\u5f97\u7684\u5065\u5eb7\u8d8a\u5c11\u3002\u8fd9\u4e0d\u662f\u9053\u5fb7\u5931\u8d25\uff0c\u800c\u662f\u8bbe\u8ba1\u9009\u62e9\u3002\u5f53\u5229\u6da6\u4f4d\u4e8e\u8bca\u6240\u4e4b\u5916\u2014\u2014\u5728\u623f\u5730\u4ea7\u3001\u6570\u636e\u9500\u552e\u548c\u653f\u5e9c\u76f8\u5173\u8865\u8d34\u4e2d\u2014\u2014\u533b\u7597\u670d\u52a1\u5c31\u6210\u4e86\u4e00\u4e2a\u5fc5\u987b\u88ab\u6700\u5c0f\u5316\u7684\u6210\u672c\u4e2d\u5fc3\u3002Charles Hugh Smith \u63ed\u793a\u7684\u91d1\u878d\u673a\u5668\u5e76\u4e0d\u662f\u4e00\u4e2a\u65c1\u652f\u6545\u4e8b\uff0c\u5b83\u662f\u64cd\u4f5c\u7cfb\u7edf\u3002\u987a\u7740\u8d44\u91d1\u6d41\u5411\u770b\u53bb\uff0c\u8fd9\u4e2a\u6b7b\u4ea1\u87ba\u65cb\u50cf\u662f\u4e00\u4e2a\u4f2a\u88c5\u6210\u653f\u7b56\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u95ee\u9898\u3002<\/p>\n<h3>\u5229\u6da6\u4e2d\u5fc3\uff1a\u623f\u5730\u4ea7\u3001\u6570\u636e\u4e0e\u89c4\u6a21\u6e38\u620f<\/h3>\n<p>\u533b\u9662\u5e76\u4e0d\u662f\u5728\u624b\u672f\u5ba4\u91cc\u94f8\u5c31\u5229\u6da6\u3002\u4ed6\u4eec\u628a\u5229\u6da6\u5efa\u5728\u5546\u4e1a\u623f\u5730\u4ea7\u3001\u4f9b\u5e94\u94fe\u56de\u6263\u3001\u836f\u623f\u4ef7\u5dee\u4ee5\u53ca\u60a3\u8005\u5065\u5eb7\u4fe1\u606f\u7684\u8d27\u5e01\u5316\u4e0a\u3002\u533b\u7597\u670d\u52a1\u88ab\u5f53\u4f5c\u635f\u5931\u9886\u8896\u2014\u2014\u4e3a\u4e86\u83b7\u5f97\u6765\u81ea\u5927\u578b\u3001\u8ba4\u8bc1\u548c\u653f\u6cbb\u5173\u7cfb\u7684\u79df\u91d1\uff0c\u8fd9\u662f\u5fc5\u8981\u6761\u4ef6\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u4f01\u4e1a\u7ec4\u7ec7\u7ed3\u6784\u503e\u5411\u4e8e\u7269\u4e1a\u7ba1\u7406\u548c\u6536\u5165\u5faa\u73af\uff0c\u800c\u4e0d\u662f\u4e34\u5e8a\u6539\u5584\u3002\u4f4e\u5229\u7387\u8ba9\u6269\u5f20\u548c\u5e76\u8d2d\u7684\u6760\u6746\u53d8\u5f97\u65e0\u75db\uff1b\u73b0\u5728\u5229\u7387\u4e0a\u5347\u5374\u628a\u90a3\u4e9b\u95ea\u4eae\u7684\u5927\u697c\u53d8\u6210\u4e86\u518d\u878d\u8d44\u98ce\u9669\u3002\u5f53\u6d41\u91cf\u505c\u6ede\u3001\u503a\u52a1\u670d\u52a1\u4e0a\u5347\u65f6\uff0c\u9ad8\u7ba1\u4eec\u66f4\u52aa\u529b\u6324\u538b\u8868\u5916\u5229\u6da6\uff1a\u6570\u636e\u63ae\u5ba2\u3001\u4f9b\u5e94\u5546\u6574\u5408\u548c\u6293\u53d6\u653f\u5e9c\u6d41\u91cf\u3002\u8fd9\u5c31\u662f\u6a21\u578b\u2014\u2014\u56e0\u4e3a\u94b1\u5728\u90a3\u91cc\u3002<\/p>\n<h3>\u4fdd\u9669\u516c\u53f8\u6210\u4e3a\u516c\u7528\u4e8b\u4e1a\uff0c\u65e2\u662f\u6cd5\u5f8b\u4e5f\u662f\u4e60\u60ef<\/h3>\n<p>\u4fdd\u9669\u516c\u53f8\u73b0\u5728\u66f4\u50cf\u53d7\u76d1\u7ba1\u7684\u516c\u7528\u4e8b\u4e1a\u3002Affordable Care Act \u7684\u533b\u7597\u635f\u5931\u7387\u4e0a\u9650\u628a\u5b83\u4eec\u53d8\u6210\u4e86\u5e26\u6709\u7ba1\u7406\u8d39\u7684\u7406\u8d54\u5904\u7406\u8005\u3002\u4ee5\u4ef7\u503c\u4e3a\u5bfc\u5411\u7684\u62a4\u7406\u88ab\u5ba3\u4f20\u4e3a\u98ce\u9669\u5171\u62c5\uff1b\u5b9e\u9645\u4e0a\uff0cMedicare Advantage \u53d8\u6210\u4e86\u7f16\u7801\u7ade\u8d5b\u3002\u98ce\u9669\u8bc4\u5206\u4e0a\u5347\u901f\u5ea6\u8d85\u8fc7\u4e86\u4eba\u7fa4\u75c5\u7387\u3002\u4e0d\u53ef\u907f\u514d\u7684\u5ba1\u8ba1\u3001\u8ffd\u56de\u548c\u8d77\u8bc9\u5e76\u975e\u9ed1\u5929\u9e45\uff1b\u5b83\u4eec\u662f Goodhart \u5b9a\u5f8b\u7684\u903b\u8f91\u7ec8\u70b9\u3002\u6d4b\u91cf\u67d0\u7269\uff0c\u5b83\u5c31\u6210\u4e86\u76ee\u6807\u3002\u5f53\u4f60\u7684\u5229\u6da6\u4f9d\u8d56\u4e8e\u6807\u7b7e\u65f6\uff0c\u4e1a\u52a1\u5c31\u53d8\u6210\u4e86\u8d34\u6807\u7b7e\u3002\u968f\u7740\u8865\u8d34\u51cf\u5c11\u548c\u540e\u75ab\u60c5\u671f\u62a4\u7406\u6210\u672c\u4f20\u5bfc\uff0c\u4e2d\u7aef\u8ba1\u5212\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u663e\u5f97\u8584\u5f31\u3002\u6574\u5408\u4e0d\u662f\u6218\u7565\uff1b\u5b83\u662f\u62a2\u6551\u3002\u76ee\u7684\u5730\u662f\u66f4\u5c11\u4f46\u66f4\u5927\u7684\u7ba1\u7406\u8005\uff0c\u4ed6\u4eec\u627f\u4fdd\u771f\u6b63\u98ce\u9669\u7684\u80fd\u529b\u6216\u610f\u613f\u90fd\u66f4\u4f4e\u3002<\/p>\n<h3>\u9006\u5411\u9009\u62e9\u662f\u653f\u7b56\uff0c\u4e0d\u662f\u8fd0\u6c14\u4e0d\u597d<\/h3>\n<p>ACA \u7684\u76ee\u6807\u662f\u5efa\u7acb\u4e00\u4e2a\u666e\u904d\u7684\u98ce\u9669\u6c60\u3002\u8c41\u514d\u3001\u5212\u5206\u548c\u62fc\u51d1\u7684\u8865\u8d34\u4f7f\u5f97\u5065\u5eb7\u4eba\u53ef\u9009\u53c2\u4fdd\uff0c\u800c\u751f\u75c5\u8005\u5219\u96be\u4ee5\u907f\u514d\u53c2\u4fdd\u3002\u8fd9\u4e0d\u662f\u4fdd\u9669\u3002\u4fdd\u9669\u662f\u7f55\u89c1\u4e8b\u4ef6\u7684\u5206\u644a\uff0c\u800c\u4e0d\u662f\u8fd1\u4e4e\u786e\u5b9a\u4e8b\u4ef6\u7684\u9884\u4ed8\u3002\u968f\u7740\u4fdd\u8d39\u652f\u6301\u51cf\u5f31\u548c\u514d\u8d54\u989d\u4e0a\u5347\uff0c\u5e74\u8f7b\u4e14\u6709\u507f\u4ed8\u80fd\u529b\u7684\u4eba\u4e0d\u53c2\u4e0e\u53d8\u5f97\u7406\u6027\u3002\u4fee\u8865\u63aa\u65bd\u2014\u2014\u98ce\u9669\u8d70\u5eca\u3001\u518d\u4fdd\u9669\u3001\u4e34\u65f6\u8865\u8d34\u2014\u2014\u63a9\u76d6\u4e86\u6570\u5b66\u95ee\u9898\uff0c\u4f46\u6ca1\u6709\u6539\u53d8\u5b83\u3002\u535a\u5f08\u8bba\u663e\u793a\uff0c\u5bf9\u7406\u6027\u884c\u4e3a\u8005\u7684\u4e3b\u5bfc\u7b56\u7565\u662f\u63a8\u8fdf\u53c2\u4fdd\u76f4\u5230\u9700\u8981\u53d1\u751f\u3002\u5728\u6bcf\u4e00\u4e2a\u5b58\u5728\u8be5\u9009\u9879\u7684\u5e02\u573a\u91cc\uff0c\u9006\u5411\u9009\u62e9\u4e0d\u662f\u6545\u969c\uff1b\u5b83\u662f\u5747\u8861\u3002\u7ed3\u679c\u662f\u66f4\u5c0f\u7684\u98ce\u9669\u6c60\u3001\u4eba\u5747\u6210\u672c\u66f4\u9ad8\uff0c\u628a\u66f4\u591a\u5065\u5eb7\u4eba\u63a8\u9001\u51fa\u4f53\u7cfb\u3002\u87ba\u65cb\u5f97\u5230\u9a8c\u8bc1\u3002<\/p>\n<h3>\u5355\u4e00\u6587\u5316\u533b\u5b66\uff1a\u9ad8\u6548\u76f4\u5230\u5d29\u65ad<\/h3>\n<p>\u4e00\u4e2a\u4e3a\u5e73\u5747\u65e5\u8bbe\u8ba1\u7684\u7cfb\u7edf\u5728\u6700\u7cdf\u7cd5\u7684\u65e5\u5b50\u91cc\u4f1a\u5931\u8d25\u3002\u6211\u4eec\u5efa\u7acb\u4e86\u5355\u4e00\u6587\u5316\uff1a\u4f9b\u5e94\u5546\u6574\u5408\u3001\u6807\u51c6\u5316 IT\u3001\u51c6\u65f6\u4eba\u5458\u914d\u5907\u3001\u96c6\u4e2d\u51b3\u7b56\u6743\u3002\u770b\u8d77\u6765\u5f88\u9ad8\u6548\u3002\u7136\u540e\u75ab\u60c5\u5272\u65ad\u4e86\u541e\u5410\u91cf\u3002\u6551\u52a9\u63a9\u76d6\u4e86\u6536\u5165\u7f3a\u53e3\uff0c\u4f46\u540c\u65f6\u4e5f\u8bad\u7ec3\u8463\u4e8b\u4f1a\u9884\u671f\u534e\u76db\u987f\u4f1a\u6709\u540e\u76fe\u3002\u8fd9\u5c31\u662f\u8106\u5f31\u6027\u3002\u7528\u5de5\u7a0b\u672f\u8bed\u8bb2\uff0c\u6211\u4eec\u4e3a\u4f18\u5316\u6210\u672c\u79fb\u9664\u4e86\u5197\u4f59\uff0c\u521b\u9020\u4e86\u5355\u70b9\u5931\u6548\u2014\u2014EHR \u505c\u673a\u4f7f\u62a4\u7406\u4e2d\u65ad\u3001\u7f3a\u5c11\u8bd5\u5242\u4f7f\u5b9e\u9a8c\u5ba4\u95f2\u7f6e\u3001\u5173\u95ed\u7684\u4e61\u6751\u6025\u8bca\u628a\u4e2d\u98ce\u53d8\u6210\u4e27\u793c\u3002\u5728\u81ea\u7136\u4e2d\uff0c\u5355\u4e00\u6587\u5316\u80fd\u7e41\u8363\u2014\u2014\u76f4\u5230\u75c5\u539f\u4f53\u627e\u5230\u7f1d\u9699\u3002\u7f8e\u56fd\u533b\u7597\u7684\u5355\u4e00\u6587\u5316\u6709\u8bb8\u591a\u7f1d\u9699\uff1a\u7f51\u7edc\u98ce\u9669\u3001\u4f9b\u5e94\u96c6\u4e2d\u3001\u503a\u52a1\u5c55\u671f\u4ee5\u53ca\u4ee5\u79bb\u804c\u6295\u7968\u7684\u4eba\u529b\u8d44\u6e90\u6d41\u5931\u3002<\/p>\n<h3>\u79c1\u52df\u80a1\u6743\u3001\u6574\u5408\u4e0e\u53cd\u5784\u65ad\u76f2\u70b9<\/h3>\n<p>\u8d44\u672c\u505a\u5b83\u88ab\u4ed8\u94b1\u53bb\u505a\u7684\u4e8b\u3002\u79c1\u52df\u80a1\u6743\u4e70\u5165\u5206\u6563\u7684\u670d\u52a1\u7ebf\uff0c\u5377\u5e76\u8d77\u6765\u5e76\u5f15\u5bfc\u8f6c\u8bca\u3002\u573a\u6240\u5dee\u4ef7\u628a\u95e8\u8bca\u670d\u52a1\u53d8\u6210\u533b\u9662\u95e8\u8bca\u7f16\u7801\uff0c\u4ef7\u683c\u9ad8\u51e0\u500d\u3002\u9700\u6c42\u8bc1\u4e66\u548c\u975e\u8425\u5229\u7a0e\u6536\u5c4f\u969c\u9650\u5236\u4e86\u65b0\u8fdb\u5165\u8005\u3002\u8fd9\u4e0d\u662f\u4e00\u4e2a\u7ade\u4e89\u5e02\u573a\uff1b\u8fd9\u662f\u62a4\u57ce\u6cb3\u3002\u53cd\u5784\u65ad\u6267\u6cd5\u6b63\u5728\u8ddf\u8fdb\uff0c\u4f46\u76f8\u5bf9\u4e8e\u6574\u5408\u901f\u5ea6\u4ecd\u662f\u5076\u53d1\u4e14\u7f13\u6162\u7684\u3002\u6211\u4eec\u628a\u533b\u7597\u7f51\u7edc\u6548\u5e94\u5f53\u4f5c\u516c\u5171\u7269\u54c1\u5bf9\u5f85\uff0c\u800c\u5b83\u4eec\u5e38\u5e38\u8868\u73b0\u5f97\u50cf\u6536\u8d39\u4ead\u3002\u5728\u79c1\u52df\u9047\u5230\u76d1\u7ba1\u5bbd\u677e\u7684\u5730\u65b9\uff0c\u4eba\u5458\u88ab\u538b\u7f29\u5230\u6700\u4f4e\u3001\u8d44\u4ea7\u88ab\u4f18\u5316\u4ee5\u63d0\u9ad8\u8ba1\u8d39\u5bc6\u5ea6\u800c\u975e\u97e7\u6027\u3002\u8fd9\u662f\u9ad8\u6548\u7684\uff0c\u76f4\u5230\u4e00\u6b21\u5c3e\u90e8\u4e8b\u4ef6\u2014\u2014\u5ba1\u8ba1\u3001\u62d2\u4ed8\u6f6e\u3001\u7f51\u7edc\u653b\u51fb\u2014\u2014\u628a\u7ecf\u8425\u6760\u6746\u63a8\u5230\u60ac\u5d16\u8fb9\u3002<\/p>\n<h3>\u73b0\u91d1\u652f\u4ed8\u4e0e\u53cc\u5c42\u5747\u8861<\/h3>\n<p>\u4e00\u4e2a\u5e76\u884c\u5e02\u573a\u6b63\u5728\u5f62\u6210\u3002\u76f4\u63a5\u521d\u7ea7\u62a4\u7406\u3001\u900f\u660e\u624b\u672f\u6346\u7ed1\u548c\u4f1a\u5458\u5236\u8bca\u6240\u63d0\u4f9b\u73b0\u91d1\u4ef7\u683c\u548c\u77ed\u7b49\u5f85\u3002\u540c\u65f6\uff0c\u4f20\u7edf\u7cfb\u7edf\u5185\u7684\u5de5\u8d44\u505c\u6ede\u3002\u8bb8\u591a\u4e34\u5e8a\u533b\u751f\u548c\u62a4\u58eb\u8f6c\u5411\u5019\u8bca\u533b\u751f\u6216\u4e2d\u4ecb\u673a\u6784\u5de5\u4f5c\uff0c\u638c\u63a7\u81ea\u5df1\u7684\u65e5\u7a0b\u548c\u6536\u5165\u3002\u8fd9\u79cd\u4eba\u624d\u6d41\u52a8\u662f\u4ef7\u683c\u4fe1\u53f7\uff1a\u52b3\u52a8\u529b\u5728\u7b2c\u4e09\u65b9\u8ff7\u5bab\u4e4b\u5916\u66f4\u503c\u94b1\u3002\u9650\u5236\u73b0\u91d1\u652f\u4ed8\u6216\u7981\u6b62\u4e34\u5e8a\u533b\u751f\u6240\u6709\u6743\u7684\u5dde\u963b\u65ad\u4e86\u91ca\u653e\u9600\u3002\u9600\u95e8\u6253\u5f00\u7684\u5730\u65b9\uff0c\u53cc\u5c42\u6a21\u5f0f\u8fc5\u901f\u56fa\u5316\u2014\u2014\u80fd\u4ed8\u94b1\u7684\u4eba\u4f18\u5148\u5feb\u901f\u5c31\u533b\uff0c\u4ed8\u4e0d\u8d77\u7684\u4eba\u5728\u7b49\u5f85\u540d\u5355\u4e0a\u3002\u4f60\u53ef\u4ee5\u5728\u9053\u5fb7\u4e0a\u53cd\u5bf9\u5b83\uff0c\u4f46\u6570\u5b66\u4ecd\u7136\u660e\u663e\uff1a\u73b0\u91d1\u5e02\u573a\u5956\u52b1\u7ed3\u679c\u548c\u670d\u52a1\uff1b\u7b2c\u4e09\u65b9\u5e02\u573a\u5956\u52b1\u5408\u89c4\u548c\u7f16\u7801\u3002\u5728\u4e00\u4e2a\u4f53\u7cfb\u91cc\uff0c\u75c5\u4eba\u662f\u987e\u5ba2\uff1b\u5728\u53e6\u4e00\u4e2a\u4f53\u7cfb\u91cc\uff0c\u4ed8\u8d39\u65b9\u662f\u987e\u5ba2\u3002<\/p>\n<h3>\u6295\u8d44\u8005\u5fc3\u7406\uff1a\u5c06\u8865\u8d34\u8bef\u8ba4\u4e3a\u62a4\u57ce\u6cb3<\/h3>\n<p>\u6295\u8d44\u8005\u8bef\u8bfb\u4e86\u8fc7\u53bb\u5341\u5e74\u3002\u4ed6\u4eec\u770b\u5230\u7a33\u5b9a\u7684\u73b0\u91d1\u6d41\u5c31\u79f0\u5176\u4e3a\u53ef\u9632\u5fa1\u7684\u62a4\u57ce\u6cb3\u3002\u8bb8\u591a\u73b0\u91d1\u6d41\u5176\u5b9e\u662f\u6765\u81ea\u7eb3\u7a0e\u4eba\u7684\u8f6c\u79fb\uff0c\u800c\u975e\u5b9a\u4ef7\u6743\u7684\u8bc1\u636e\u3002\u8fd9\u79cd\u6df7\u6dc6\u5236\u9020\u4e86\u5371\u9669\u7684\u6760\u6746\u3002\u5f53\u8865\u8d34\u5236\u5ea6\u6539\u53d8\u2014\u2014Medicare Advantage \u7684\u8ffd\u56de\u3001\u66f4\u4e25\u683c\u7684\u5ba1\u8ba1\u3001\u9644\u52a0\u652f\u4ed8\u88ab\u538b\u7f29\u2014\u2014\u5229\u6da6\u6d88\u5931\u4f46\u503a\u52a1\u4ecd\u5728\u3002\u53d9\u4e8b\u8c2c\u8bef\u52a9\u63a8\u5176\u4f59\uff1a\u5982\u679c\u533b\u7597\u662f\u975e\u5468\u671f\u6027\u7684\uff0c\u5b83\u5c31\u4e00\u5b9a\u5b89\u5168\u3002\u4f46\u975e\u5468\u671f\u6027\u5e76\u4e0d\u7b49\u4e8e\u975e\u8106\u5f31\u3002\u7f51\u7edc\u653b\u51fb\u53ef\u4ee5\u505c\u6b62\u5165\u9662\u3002\u4e00\u9879\u76d1\u7ba1\u53d8\u5316\u53ef\u4ee5\u62b9\u53bb\u4e00\u6761\u4e1a\u52a1\u7ebf\u3002\u4e00\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u7f51\u7edc\u51b3\u5b9a\u53ef\u4ee5\u4f7f\u4e00\u4e2a\u8bca\u6240\u5012\u95ed\u3002\u771f\u6b63\u7684\u98ce\u9669\u5728\u5c3e\u90e8\uff0c\u800c\u8fd9\u4e2a\u7cfb\u7edf\u6709\u539a\u5c3e\u3002\u7a33\u5065\u6027\u9700\u8981\u5197\u4f59\u3001\u677e\u5f1b\u548c\u5229\u76ca\u5171\u62c5\u2014\u2014\u6211\u4eec\u90a3\u6ce2\u4f18\u5316\u72c2\u6f6e\u79fb\u9664\u4e86\u8fd9\u4e09\u70b9\u3002<\/p>\n<h3>\u4ece\u8106\u5f31\u5230\u53cd\u8106\u5f31\uff1a\u4fee\u590d\u533b\u7597\u63d0\u4f9b\uff0c\u800c\u4e0d\u4ec5\u662f\u652f\u4ed8<\/h3>\n<p>\u8fd9\u4e0d\u662f\u5728\u547c\u5401\u53e6\u4e00\u4e2a\u652f\u4ed8\u7f29\u5199\u8bcd\uff0c\u800c\u662f\u4e00\u4e2a\u8bbe\u8ba1\u7b80\u62a5\u3002\u5982\u679c\u4f60\u4e3a\u6295\u5165\u4ed8\u94b1\uff0c\u4f60\u4f1a\u5f97\u5230\u66f4\u591a\u6295\u5165\u3002\u5982\u679c\u4f60\u4e3a\u6807\u7b7e\u4ed8\u94b1\uff0c\u4f60\u4f1a\u5f97\u5230\u66f4\u597d\u7684\u6807\u7b7e\u3002\u4e3a\u53ef\u5ba1\u8ba1\u7684\u7ed3\u5c40\u4ed8\u8d39\uff0c\u5141\u8bb8\u4ef7\u683c\u53d1\u73b0\uff0c\u5e76\u5141\u8bb8\u4e34\u5e8a\u533b\u751f\u6240\u6709\u6743\uff0c\u4f7f\u51b3\u7b56\u4e0e\u8d23\u4efb\u76f8\u8fde\u3002\u5e9f\u9664\u4fdd\u62a4\u6027\u89c4\u5219\u2014\u2014\u9700\u6c42\u8bc1\u4e66\u6cd5\u5f8b\u3001\u7981\u6b62\u73b0\u91d1\u652f\u4ed8\u5b89\u6392\u2014\u2014\u8fd9\u4e9b\u89c4\u5219\u56fa\u5316\u4e86\u65e2\u5f97\u5229\u76ca\u8005\u3002\u52a0\u5f3a\u5bf9\u8f6c\u8bca\u5e02\u573a\u548c\u6570\u636e\u5784\u65ad\u7684\u53cd\u5784\u65ad\u6267\u6cd5\u3002\u7528\u707e\u96be\u6027\u4fdd\u9669\u6765\u9650\u5236\u6bc1\u706d\u6027\u98ce\u9669\uff0c\u5e76\u914d\u4ee5\u9ad8\u514d\u8d54\u989d\u8ba1\u5212\u548c\u53ef\u643a\u5e26\u7684 Health Savings Accounts\uff0c\u4f7f\u6d88\u8d39\u8005\u770b\u5230\u4ef7\u683c\u3001\u63d0\u4f9b\u8005\u770b\u5230\u9700\u6c42\u3002\u6700\u91cd\u8981\u7684\u662f\uff0c\u5c06\u5229\u6da6\u5f15\u64ce\u4e0e\u670d\u52a1\u91cf\u548c\u7f16\u7801\u8131\u94a9\u3002\u5982\u679c\u4e00\u5bb6\u533b\u9662\u7684\u507f\u4ed8\u80fd\u529b\u4f9d\u8d56\u4e8e\u623f\u5730\u4ea7\u5468\u8f6c\u548c\u6570\u636e\u63ae\u5ba2\uff0c\u5b83\u6c38\u8fdc\u4e0d\u4f1a\u4f18\u5148\u8003\u8651\u62a4\u7406\u63d0\u4f9b\u3002\u6539\u53d8\u6fc0\u52b1\uff0c\u7ec4\u7ec7\u7ed3\u6784\u4e5f\u4f1a\u968f\u4e4b\u6539\u53d8\u3002<\/p>\n<h3>\u770b\u4e0d\u89c1\u7684\u98ce\u9669\u4e0d\u662f\u653f\u6cbb\u6027\u7684\uff0c\u800c\u662f\u7ed3\u6784\u6027\u7684<\/h3>\n<p>\u7f8e\u56fd\u5e76\u975e\u5076\u7136\u9677\u5165\u533b\u7597\u6b7b\u4ea1\u87ba\u65cb\u3002\u5b83\u901a\u8fc7\u5956\u52b1\u89c4\u6a21\u80dc\u8fc7\u670d\u52a1\u3001\u6807\u7b7e\u80dc\u8fc7\u7ed3\u5c40\u3001\u503a\u52a1\u9a71\u52a8\u6269\u5f20\u80dc\u8fc7\u97e7\u6027\u800c\u8bbe\u8ba1\u4e86\u8fd9\u4e00\u5207\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u7cfb\u7edf\u5728\u6301\u7eed\u5931\u8d25\u7684\u540c\u65f6\u4ecd\u5728\u4e0d\u65ad\u6574\u5408\u3002\u89e3\u51b3\u65b9\u6848\u4e0d\u662f\u53e3\u53f7\u6216\u8865\u8d34\uff0c\u800c\u662f\u91cd\u6784\u4f55\u65f6\u3001\u4e3a\u4f55\u5411\u8c01\u652f\u4ed8\u3002\u5e02\u573a\u4f1a\u4ee5\u65e0\u60c5\u7684\u7cbe\u786e\u5ea6\u9002\u5e94\u6fc0\u52b1\uff0c\u533b\u7597\u4e5f\u662f\u5982\u6b64\u3002\u987a\u7740\u94b1\u8d70\uff0c\u4f60\u53ef\u4ee5\u770b\u5230\u4e0b\u4e00\u6b65\u4f1a\u662f\u4ec0\u4e48\uff1a\u66f4\u5c11\u50cf\u516c\u7528\u4e8b\u4e1a\u4e00\u6837\u8fd0\u4f5c\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u66f4\u591a\u79c1\u4eba\u8d44\u672c\u8ffd\u9010\u975e\u4e34\u5e8a\u79df\u91d1\uff0c\u4ee5\u53ca\u4e3a\u6709\u80fd\u529b\u89c4\u907f\u8ff7\u5bab\u7684\u4eba\u7fa4\u65e5\u76ca\u589e\u957f\u7684\u73b0\u91d1\u5e02\u573a\u3002\u6539\u53d8\u8f68\u8ff9\u7684\u552f\u4e00\u65b9\u6cd5\u662f\u8ba9\u62a4\u7406\u63d0\u4f9b\u518d\u6b21\u6210\u4e3a\u5229\u6da6\u4e2d\u5fc3\u3002\u5728\u90a3\u4e4b\u524d\uff0c\u6211\u4eec\u5c06\u7ee7\u7eed\u82b1\u66f4\u591a\u94b1\uff0c\u7528\u4fe1\u8d37\u8d2d\u4e70\u8106\u5f31\u6027\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8fd9\u7bc7\u535a\u6587\u5256\u6790\u4e86\u5bfc\u81f4\u533b\u7597\u4f53\u7cfb\u5d29\u6e83\u7684\u8d22\u653f\u9519\u7efc\u56e0\u7d20\uff0c\u63ed\u793a\u4e86\u623f\u5730\u4ea7\u3001\u6570\u636e\u9500\u552e\u548c\u8865\u8d34\u7684\u5229\u6da6\u5982\u4f55\u63a8\u52a8\u7f29\u51cf\u62a4\u7406\u3001insurers \u6210\u4e3a\u516c\u7528\u4e8b\u4e1a\u3001\u9006\u5411\u9009\u62e9\u88ab\u5236\u5ea6\u5316\u3001\u5355\u4e00\u5316\u533b\u5b66\u5728\u6700\u7cdf\u7cd5\u7684\u65e5\u5b50\u91cc\u5931\u6548\uff0c\u5e76\u50ac\u751f\u51fa\u4e24\u7ea7\u5747\u8861\uff0c\u4ece\u800c\u6566\u4fc3\u4e00\u9879<\/p>\n","protected":false},"author":52,"featured_media":587487,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[427],"tags":[1121,634],"class_list":["post-607618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-news-zh-hans","tag-1121","tag-634"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/607618","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/users\/52"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=607618"}],"version-history":[{"count":1,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/607618\/revisions"}],"predecessor-version":[{"id":607641,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/607618\/revisions\/607641"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media\/587487"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=607618"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=607618"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=607618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}