重问解释现象题

joywzy

LSAT-VI-17

17. Since the introduction of the Impanian National Health Scheme, Impanians (or their private insurance companies) have had to pay only for the more unusual and sophisticated medical procedures. When the scheme was introduced, it was hoped that private insurance to pay for these procedures would be available at modest cost, since the insurers would no longer be paying for the bulk of health care costs, as they had done previously. Paradoxically, however, the cost of private health insurance did not decrease but has instead increased dramatically in the years since the scheme抯 introduction.

Which one of the following, if true, does most to explain the apparently paradoxical outcome?

(A) The National Health scheme has greatly reduced the number of medical claims handled annually by Impania's  private insurers, enabling these firms to reduce overhead costs substantially.

(B) Before the National Health scheme was introduced, more than 80 percent of all Impanian medical costs were associated with procedures that are now covered by the scheme.

(C) Impanians who previously were unable to afford regular medical treatment now use the National Health scheme, but the number of Impanians with private health insurance has not increased.

(D) Impanians now buy private medical insurance only at times when they expect that they will need care of kinds not available in the National Health scheme.

(E) The proportion of total expenditures within Impania that is spent on health care has declined since the introduction of the National Health scheme.

答案,我选A

这是perfection 的解答:

17）我觉得A首先可以排除。D只是提供一种解释，不能保证。D说Impanians要买National Health schemeScheme所不能提供的kinds。也就是把Health schemeScheme所不能提供的kinds都归于private insurance.范围扩大了，因此可以解释为什么private insurance显著增加。


这是albert的解答:
17题E的意思是：买保险的人只有知道自己要得的重病的人才跟私人保险公司买保险。。而原来买保险的人不管有无病都买保险。。相比之下，私人保险的PROFIT肯定下降

我还是有点糊涂,转不过弯来.不知哪位XDJM能再讲讲.谢谢先.

jacy

本题问的是解释矛盾,
那么先明确题目中的矛盾,
1. 实行了Impanian National Health Scheme,那么只需要赔付unusual and sophisticated, 因此cost会降低.
2.自从该scheme施行以来, cost却增加了.
所以矛盾.
选项a 不能解释为什么成本增加, 只是增强了条件1说明成本会下降.
选项d正好解释由于保险人只买不属于该scheme范围的保险, 那么剩下的都由保险公司赔, 当然成本增加了.