体制内公务员，怎么买保险？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//p7.itc.cn/q_70/images01/20231103/4326dd29181b457b90584ad878c5f2c6.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">「考公热」并<span style="color: black;">无</span>降温，</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">但不少<span style="color: black;">伴侣</span>已<span style="color: black;">起始</span>认真<span style="color: black;">思虑</span>「性价比」。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">a.</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">已然</span>在体制内的<span style="color: black;">伴侣</span>，</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">能够</span>深入<span style="color: black;">认识</span>下，</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">现有的制度到底带来了什么<span style="color: black;">保证</span>。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">b.</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">打算踏入体制内的<span style="color: black;">伴侣</span>，</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">能够</span>提前<span style="color: black;">认识</span>下，</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">之前的<span style="color: black;">保证</span>在<span style="color: black;">将来</span>可能存在<span style="color: black;">那些</span>变动。</span></strong></p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;"><strong style="color: blue;">0-0</strong></h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在细聊之前，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">咱们先来理清一下思路。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">关于<strong style="color: blue;"><span style="color: black;">「体制内」</span></strong>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">除了公务员，还<span style="color: black;">包括</span>企事业单位。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">乃至</span>部分教师岗位，<span style="color: black;">亦</span>是<span style="color: black;">包括</span>在内的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">很<span style="color: black;">显著</span>的一个区别，是在<span style="color: black;">看病</span>报销时，</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">其<span style="color: black;">医疗保险</span>类型上会<span style="color: black;">显现</span>“公务员”。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q3.itc.cn/images01/20240525/9c80d3bba33044bca94ad9af6971a729.png" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">图：公务员医疗</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">关于<strong style="color: blue;"><span style="color: black;">「怎么买保险」</span></strong>，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>重点看<strong style="color: blue;">医疗+养老</strong>这两块核心。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">从体制内的医疗和养老体系改革历史，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">看有<span style="color: black;">那些</span>变动+<span style="color: black;">日前</span><span style="color: black;">保证</span>了些什么；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">到体制内与<span style="color: black;">商场</span>保险的差别与互补，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">看缺什么+需不<span style="color: black;">必须</span>补+怎么补。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">以此梳理出，</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">怎样</span>在体制内，搭建完善你的安全垫。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">温馨提示：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">*<span style="color: black;">文案</span>篇幅较长，<span style="color: black;">意见</span><span style="color: black;">保藏</span>分享。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">*<span style="color: black;">区别</span>地区有差别，如有偏移请指正。</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;"><strong style="color: blue;">01-医疗<span style="color: black;">保证</span></strong></h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">万<span style="color: black;">一辈子</span>病，有<span style="color: black;">那些</span>兜底。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q1.itc.cn/images01/20240525/5bd9cb75290343e996fddbd329229bac.jpeg" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">图：我国现行「社会医疗保险体系」</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">A-「社会医疗」保险体系</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">1、</span>医疗体系改革历史梳理：</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、新中国成立后至20世纪结束的前几年，<span style="color: black;">按照</span>当时<span style="color: black;">百姓</span>的三种身份（农民、工人、干部），演化出了三种医疗制度（农村合作医疗制度、劳动保险制度、公费医疗制度）。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、1998年，《国务院关于<span style="color: black;">创立</span>城镇职工基本医疗保险制度的决定》提出，城镇所有用人单位，<span style="color: black;">包含</span>企业、机关、事业单位、社会团体、民办非企业单位及其职工，都要参加基本医疗保险。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">与此<span style="color: black;">同期</span>，逐步取消公费医疗制度，实行公务员医疗<span style="color: black;">补贴</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、截止到<span style="color: black;">日前</span>，似乎都很少有公开资料<span style="color: black;">表示</span>，公费医疗制度的消失；但新入体制内，却基本都接受的是公务员医疗<span style="color: black;">补贴</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">由此推测，体制内的医疗政策在逐步从「公费医疗制度」转为「职工医疗保险+公务员医疗<span style="color: black;">补贴</span>」。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、<span style="color: black;">因此</span><span style="color: black;">日前</span>，<strong style="color: blue;">体制内的医疗<span style="color: black;">保证</span>=「职工医疗保险+公务员医疗<span style="color: black;">补贴</span>」。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">职工医疗保险，<span style="color: black;">按照</span>工资基数进行划扣，和体制外<span style="color: black;">同样</span>；公务员医疗<span style="color: black;">补贴</span>，<span style="color: black;">一般</span>是财政<span style="color: black;">补助</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">放一张对比图，<span style="color: black;">谅解</span>我这图有点古早了。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q6.itc.cn/images01/20240525/6e656c4ad303457a880957dde90fb0ff.jpeg" style="width: 50%; margin-bottom: 20px;"><span style="color: black;">图：公务员医疗改革</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">2、</span>医疗体系<span style="color: black;">保证</span>要点：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、改革前，享受「公费医疗制度」的人员，经费由财政<span style="color: black;">包袱</span>。<span style="color: black;">然则</span>享受<span style="color: black;">薪水</span>，并不等于免费医疗。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">实行原则仍然是“国家<span style="color: black;">包袱</span>一部分，集体<span style="color: black;">包袱</span>一部分，个人<span style="color: black;">包袱</span>一部分”。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、改革后，享受「公务员医疗补助」的人员，经费<span style="color: black;">一般</span><span style="color: black;">亦</span><span style="color: black;">是由于</span>财政<span style="color: black;">包袱</span>。<strong style="color: blue;">享受<span style="color: black;">薪水</span>这块，从<span style="color: black;">日前</span>披露的数据来看，</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">按照</span><span style="color: black;">区别</span>地区的经济水平和财政<span style="color: black;">状况</span>，会有所差异，但实行原则<span style="color: black;">无</span>变。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、不管是公费医疗制度还是公务员医疗<span style="color: black;">补贴</span>，<strong style="color: blue;">在报销上，<span style="color: black;">一般</span>只报销<span style="color: black;">医疗保险</span>目录内；</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">而针对治疗<span style="color: black;">花费</span><span style="color: black;">昂贵</span>的癌症等<span style="color: black;">状况</span>，<span style="color: black;">尤其</span>是在癌症特药新药这块，可能<span style="color: black;">触及</span>不到或比例<span style="color: black;">特别有</span>限。</strong></p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;"><strong style="color: blue;">B -「<span style="color: black;">商场</span>医疗」<span style="color: black;">怎样</span>做<span style="color: black;">弥补</span></strong></h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、转移<span style="color: black;">疾患</span><span style="color: black;">危害</span>，除了社会医疗保险（<span style="color: black;">医疗保险</span>），还可<span style="color: black;">经过</span><strong style="color: blue;">「医疗险+重疾险」</strong>两个工具，进行<span style="color: black;">弥补</span>完善。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">2、<span style="color: black;">商场</span>医疗险：能覆盖<span style="color: black;">更加多</span>的报销范围，<span style="color: black;">加强</span>报销比例，降低报销门槛；</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">以<span style="color: black;">保证</span>当<span style="color: black;">疾患</span><span style="color: black;">出现</span>时，能报销<span style="color: black;">更加多</span>的医疗<span style="color: black;">花费</span>，<span style="color: black;">尤其</span>是癌症用药等特殊<span style="color: black;">状况</span>。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">参考：别管什么医疗险，你就看这两点</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">3、<span style="color: black;">商场</span>重疾险：以<span style="color: black;">保证</span><span style="color: black;">出现</span>重大<span style="color: black;">疾患</span>时，能一次性给到一大笔现金，</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">不消</span>担心变卖家产、或短期凑不齐巨额医疗<span style="color: black;">花费</span>等；这是其他工具<span style="color: black;">没</span>法替代的独特功用。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">参考：年龄越大越觉得，重疾险比医疗险香</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;"><strong style="color: blue;">02-养老<span style="color: black;">保证</span></strong></h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">将来</span>老了，有<span style="color: black;">那些</span><span style="color: black;">保证</span>。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">A-「社会养老」体系<span style="color: black;">保证</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">关键词：</span><span style="color: black;">养老金并轨改革</span><span style="color: black;">。</span></strong>此改革全<span style="color: black;">叫作</span>为：机关事业单位工作人员养老金并轨改革。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2024 年是养老金并轨过渡期截止的时间，临到头大受关注。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">1、</span>社会养老体系历史梳理：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">1、养老金并轨前（2014 年之前）：</span></strong>体制内不<span style="color: black;">必须</span>交养老保险，就能领<span style="color: black;">离休</span>金。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">斗胆猜测“铁饭碗”<span style="color: black;">亦</span>是这么来的，最初美好年代，<span style="color: black;">不消</span>交医疗和养老保险，就<span style="color: black;">持有</span>了<span style="color: black;">保证</span>。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">2、2014年10月1日：“养老金并轨”<span style="color: black;">起始</span>实施。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">3、养老金并轨过渡期（2014-2024 年）：</span></strong><span style="color: black;">咱们</span>进入了十年过渡期。实施原则为：老人老办法、中人中办法，新人新办法。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">粗暴理解<span style="color: black;">便是</span>，改革前少交或不交，改革后交<span style="color: black;">更加多</span>；改革前领取多，改革后领取少。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">4、养老金并轨过渡期结束（2024 年后）：</strong>统一实行改革后的<span style="color: black;">方法</span>，<span style="color: black;">再也不</span>划分新人、老人、中人。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">2、</span>养老体系<span style="color: black;">保证</span>要点：</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">1、体制内的养老金<span style="color: black;">保证</span>=「职工养老保险+职业年金」。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">2、职工养老保险：</span></strong>受养老金并轨影响，可能会<span style="color: black;">显现</span>“比前人交<span style="color: black;">更加多</span>钱，但<span style="color: black;">将来</span>可能领取更少”的<span style="color: black;">状况</span>。这是最大的差别，可能<span style="color: black;">亦</span>是“饭碗<span style="color: black;">再也不</span><span style="color: black;">那样</span>铁”的<span style="color: black;">原由</span>之一。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">3、职业年金：</span></strong>算是企事业单位的福利，由个人和单位<span style="color: black;">一起</span>缴纳，属于养老金第二支柱。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">*<span style="color: black;">尤其</span>说明，养老金=<span style="color: black;">第1</span>支柱「职工养老」+第二支柱「企业养老」+第三支柱「个人养老」。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">三大支柱分别对应的是：国家养老+企业单位养老+自己养老。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">4、粗暴直白一点讲：体制内，对比过去（受养老金并轨影响）的<span style="color: black;">薪水</span>，可能没以前<span style="color: black;">那样</span>好了；但对比体制外，有额外的企业年金，还是要好一点的。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q2.itc.cn/images01/20240525/dd9fda3ac4404907bc08ea89ac27e04a.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">图：体制内外养老<span style="color: black;">薪水</span>对比</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;"><strong style="color: blue;">B「<span style="color: black;">商场</span>养老」<span style="color: black;">怎样</span>做<span style="color: black;">弥补</span></strong></h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、当体制内的「<span style="color: black;">第1</span>支柱+第二支柱」<span style="color: black;">起始</span>缩水，养老金可能<span style="color: black;">没</span>法再覆盖<span style="color: black;">离休</span>后的生活支出。而想要维持更好<span style="color: black;">薪水</span>的养老，</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">个人主动<span style="color: black;">贮存</span>「第三支柱」就<span style="color: black;">成为了</span>必选项，<span style="color: black;">乃至</span>不少<span style="color: black;">伴侣</span>已<span style="color: black;">起始</span>抢跑。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、<span style="color: black;">为何</span>要准备第三支柱「个人养老」？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">除了到手的钱变少之外，延迟<span style="color: black;">离休</span><span style="color: black;">亦</span>是个不可忽略的<span style="color: black;">原因</span>。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">参考：好烦，都逃<span style="color: black;">不外</span>「延迟<span style="color: black;">离休</span>」</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、第三支柱「个人养老」有<span style="color: black;">那些</span><span style="color: black;">选取</span>？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">商场</span>养老金、<span style="color: black;">商场</span>年金险等都是可选工具。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">参考：准备养老，我配置了这三个工具</p>
<h1 style="color: black; text-align: left; margin-bottom: 10px;"><strong style="color: blue;">0-0</strong></h1>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">近期</span>看有个说法是：“随着房地产的下行，<span style="color: black;">地区</span>政府土地出让收入的暴跌，对公共服务的大额<span style="color: black;">补助</span><span style="color: black;">亦</span>可预见的会下降”。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">看着<span style="color: black;">没</span><span style="color: black;">危害</span>利率的<span style="color: black;">连续</span>下跌，再回头梳理一遍，体制内医疗和养老制度改革的历史。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;"><span style="color: black;">非常多</span>趋势，<span style="color: black;">咱们</span>都可更清晰地预见到，势不可挡。</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">到结尾，想起那句“历史的一粒灰落到<span style="color: black;">每一个</span>人头上，都是一座大山”。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">只<span style="color: black;">期盼</span>，<span style="color: black;">咱们</span>都能活在当下，并为可预见的<span style="color: black;">将来</span>，做好一切可能性的准备。留给自己<span style="color: black;">更加多</span><span style="color: black;">选取</span>权，以更好的拥抱不确定性。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//p5.itc.cn/q_70/images01/20231103/7cccf62cd23c4493a3f0067bbad5c089.png" style="width: 50%; margin-bottom: 20px;"><a style="color: black;"><span style="color: black;">返回<span style="color: black;">外链论坛：www.fok120.com</span>，查看<span style="color: black;">更加多</span></span></a></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">责任编辑：网友投稿</span></p>
“BS”（鄙视的缩写）
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