《经济学人》患者变“消费者”，医疗市场正在被改写 [B2]

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P1	《经济学人》患者变“消费者”，医疗市场正在被改写 [B2]	5:41

P1 · 《经济学人》患者变“消费者”，医疗市场正在被改写 [B2] p01 原声 (P1)

《经济学人》患者变“消费者”，医疗市场正在被改写 [B2] p01 原声 (P1)

发布于 2026-11-10 · 时长 5:41

字幕摘录

时间	英文	中文
0:04	Leaders	领导人
0:07	Healthcare	保健
0:09	Markets maketh medicine.	市场制造药品。
0:12	Patients are acting more like consumers.	患者表现得更像消费者.
0:16	Good.	不错
0:18	The person who uses a product usually chooses it and pays for it.	使用产品的人通常会选择并付费.
0:23	The great exception is healthcare.	最大的例外是医疗保健。
0:25	Most of the time insurers, public or private, decide what is covered, doctors decide what is prescribed and patients take what they are given.	大部分时间,无论是公立还是私立的保险商,决定什么是保险,医生决定什么是开具处方,病人接受什么。
0:35	The result is markets riddled with inefficiency and nowhere more so than in America, the world's biggest.	结果是市场充斥着低效的市场世界上最大的美国就是如此
0:42	This year Americans are expected to spend about six trillion dollars on health, nearly a fifth of their country's GDP.	今年,美国人预计将花费约6万亿美元用于健康,占美国国内生产总值的近五分之一。

展开字幕全文（50 条）

序号	英文	中文
1	Leaders	领导人
2	Healthcare	保健
3	Markets maketh medicine.	市场制造药品。
4	Patients are acting more like consumers.	患者表现得更像消费者.
5	Good.	不错
6	The person who uses a product usually chooses it and pays for it.	使用产品的人通常会选择并付费.
7	The great exception is healthcare.	最大的例外是医疗保健。
8	Most of the time insurers, public or private, decide what is covered, doctors decide what is prescribed and patients take what they are given.	大部分时间,无论是公立还是私立的保险商,决定什么是保险,医生决定什么是开具处方,病人接受什么。
9	The result is markets riddled with inefficiency and nowhere more so than in America, the world's biggest.	结果是市场充斥着低效的市场世界上最大的美国就是如此
10	This year Americans are expected to spend about six trillion dollars on health, nearly a fifth of their country's GDP.	今年,美国人预计将花费约6万亿美元用于健康,占美国国内生产总值的近五分之一。
11	Yet for all that money about one adult in ten could not get an appointment when they needed one last year and more than a quarter put off or skipped care because of the cost.	然而,尽管如此,每10个成年人中就有1人需要预约,但由于费用问题,1/4以上的成年人无法获得预约。
12	No wonder patients are taking matters into their own hands.	难怪病人会把事情自己处理
13	They pepper chatbots with questions such as how to decode a blood test or prepare for an appointment.	他们用胡椒的聊天人问如何解码血液测试或准备预约
14	OpenAI说,
15	The market for tests that patients order themselves has grown to be worth about four billion dollars a year in America, double its size in 2021, reckons Morgan Stanley, a bank.	患者自己订购的测试市场在美国已经发展到每年价值约40亿美元,在2021年是其规模的两倍,算上一家银行摩根斯坦利.
16	And drug makers have started selling directly to patients.	而制毒者开始直接向患者销售.
17	Eli Lilly, an American pharmaceutical giant, now fills about half of new prescriptions for its obesity jab in America this way, bypassing insurers.	Eli Lilly,美国制药巨头, 现在用这种方式填补了美国肥胖症新处方的一半, 绕过保险公司。
18	All three developments are good news.	所有三个事态发展都是好消息。
19	One reason is that patient led markets bring lower prices.	其中一个原因是病人领导的市场带来了较低的价格。
20	Take drugs.	服药.
21	In America, their true cost is obscured by a tangle of middlemen and insurers who negotiate secret discounts from inflated list prices.	在美国,他们的真实成本被一连串的中间人和保险公司所掩盖,他们谈判的是高涨的列表价格的秘密折扣.
22	When patients pay directly, prices are transparent and drug makers must compete.	当患者直接支付时,价格是透明的,药品制造者必须竞争.
23	New obesity drugs are a good example.	新的肥胖药物是一个很好的例子。
24	Novo, a Danish drug maker, launched Wigovy in 2021 at a list price of about $1,350 a month.	丹麦毒品制造者诺沃于2021年以每月约1,350美元的列表价格推出了维戈维.
25	That led to a price war with Lilly and competition from cheap copies.	这导致了与莉莉的价格战争和廉价拷贝的竞争.
26	Both firms now sell their jabs direct to patients for as little as $300 to $350 a month.	这两家公司现在直接向病人出售刺刀,每月售价只有300至350美元。
27	The same logic works for elder products.	同样的逻辑对长者产品有效.
28	Mark Cuban Cost Plus Drug Company是一家由亿万富翁创办的在线药店,
29	One study found that patients with employer provided insurance who pay over $15 for a prescription could buy it more cheaply from Cost Plus nearly 80% of the time.	一项研究发现,有雇主的病人提供15美元以上购买处方的保险,可以更便宜地从Cost Plus购买近80%的时间。
30	When patients pay, firms also come up with new ways to sell to them.	当病人付费时,公司也想出新的销售方式。
31	Direct primary care, where medical practices ditch insurers and charge patients a monthly fee instead, has grown by nearly a fifth per year since 2022 to more than 3,600 practices in America.	自2022年以来,医疗实践使保险人退缩,向病人收取每月费用,直接初级保健每年增加近五分之一,在美国达到3 600多个。
32	Others, such as Amazon's One Medical, treat common ailments on a pay-per-visit basis.	其他如亚马逊的"一个医疗"(One Medical)则以付费方式治疗常见病.
33	Drug makers are looking at treatments that consumers will pay for, even if insurers will not.	药物制造者正在研究消费者会付费的治疗方法,即使保险公司不会这样做。
34	Novo is eyeing treatments for hair loss, addiction and menopause, conditions that Big Pharma, long dismissed as unworthy of serious research, even fighting off aging, now attract money.	诺沃正在用眼球治疗头发失落,成瘾和绝经,这些条件,大药典长期以严肃研究不值得,甚至与衰老作斗争,现在吸引了资金.
35	Most profound of all is the erosion of the original source of market power, a doctor's hold on medical knowledge.	最深层的是市场力量的原始来源的侵蚀,医生对医学知识的控制。
36	In 1963, Kenneth Arrow, an economist, said that health care could not work like an ordinary market, partly because the information a doctor possesses is necessarily very much greater than that of the patient, or at least so it is believed by both parties.	1963年,经济学家肯尼斯·阿罗(Kenneth Arrow)表示,医疗保健不能像普通市场那样运作,部分原因是医生掌握的信息必然比病人的信息要大得多,或者至少双方都相信这一点.
37	Technology has since narrowed that gap.	此后,技术缩小了这一差距。
38	Chatbots, though hardly infallible, translate medical jargon into plain English and set out the treatment options for a condition.	Chatbots,虽然几乎不易出错,但将医疗术语翻译为普通英语,并列出某种病症的治疗方案.
39	Increasingly, they work with patients' own data, too.	他们越来越多地使用病人自己的数据。
40	Consumer-led health care carries dangers.	消费者主导的保健带有危险。
41	The first is quackery, websites and influencers, pedal peptides and supplements that promise bigger muscles, better skin or a longer life.	第一种是夸夸其谈、网站和影响者、脚踏板和补充物,它们能保证更大的肌肉、更好的皮肤或更长的寿命。
42	Many do nothing and some do harm.	许多人什么都不做,有些人则伤害。
43	Regulators should make sure sellers do not lie about their products.	监管机构应确保销售者不对其产品撒谎。
44	Access matters, too.	出入之事也.
45	Nearly all consumer health care is paid for out of pocket, so for now it mostly serves the well-off.	几乎所有的消费者保健费用都是从口袋中支付的,因此,现在主要是为富裕阶层服务。
46	However, most innovations start out as luxuries and get cheaper.	然而,大多数创新都以奢侈为开端,并变得更便宜.
47	No one will shop for doctors from the back of an ambulance.	没人会在救护车后面买医生
48	Complex and emergency care will stay with doctors, hospitals and insurers.	综合和紧急护理将由医生、医院和保险人提供。
49	But in the routine parts of medicine, patients can and should be treated as customers.	但在医学的常规部分,病人可以而且应该作为顾客对待.
50	A bloated, paternalistic industry has kept them waiting long enough.	一个膨胀的、家长式的产业让他们等待的时间足够长。

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