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美国得克莎斯州奥斯汀市有一家公共交通公司叫做坎佩图,有1200多名职工,主要工作是为70多万奥斯汀居民提供交通服务。由于健康保险费连续好几年都在以40%的幅度上涨,坎佩图公司决定从2003年开始健康自保,由公司承担所有职工的医疗保健费用。近几十年来,健康自保在美国渐趋流行,许多大型企业纷纷采用自保的方式。保险公司只充当代管理赔和医疗服务协调的中介角色,而不承担企业的医疗费用风险。采取自保的企业必然会采取各种措施控制医疗费用,包括开展健康管理项目。在美国CDC(疾病控制中心)的协助下,坎佩图公司在采取自保的2003年就委托了一家健康管理公司来调查和分析职工的健康状况,然后采取相应的措施改善职工健康。健康管理公司发现,坎佩图大部分雇员都是公车司
In Austin, Texas, there is a public transport company called Campeto. There are more than 1,200 employees and the main job is to provide transportation services for more than 700,000 Austin residents. Since health insurance premiums have been rising by 40% for several consecutive years, Campeto decided to start self-insurance from 2003, and the company will bear the medical expenses of all employees. In recent decades, health self-protection has become increasingly popular in the United States. Many large companies have adopted self-insurance methods. Insurance companies only act as intermediary roles in the management of compensation and medical service coordination, and do not bear the risk of medical expenses. Companies taking self-insurance will certainly take various measures to control medical expenses, including carrying out health management projects. With the help of the CDC (Center for Disease Control) in the United States, Campeto entrusted a health management company in 2003 to investigate and analyze the health status of employees, and then took corresponding measures to improve the health of employees. Health management company finds that most employees in Campeto are bus drivers