英语翻译如题,请帮我把下面关于保险的论文翻译成中文.ABSTRACTHealth insurance is a comp

英语翻译
如题,请帮我把下面关于保险的论文翻译成中文.
ABSTRACT
Health insurance is a complex,multi-attribute product and this creates search frictions that can distort market outcomes.We study the effect of frictions in the market for employer based health insurance.We find that frictions are most severe in the "fully insured" part of the group health insurance market and we estimate that frictions in this market segment cause a quarter of the consumer surplus to shift from policy-holders to insurers (a transfer of 32.5 billion dollars in 1997).Our analysis also suggests that frictions in insurance markets also reduce incentives to invest in future health.
1.Introduction
In the United States,health insurance for those under age 65 is typically provided through group plans purchased by employers from commercial insurers.Health insurance is a complex multi-attribute service,so employers looking to buy insurance face a difficult shopping problem.Savvy purchasers must consider which of the many drugs their employees might use are in the insurer’s formularies,whom among many local physicians are part of the insurer’s provider network,and what co-pays and deductibles apply to which pharmaceuticals,providers and services.Comparison shopping is made even more difficult by the fact that many aspects of insurance involve commitments to provide services under hard-to-anticipate contingencies.Medical underwriting by insurers and the great profusion of insurance products offered raises administrative costs and increases the complexity of an employer group’s search for health insurance (Hall,2008).1 Large and sophisticated employers can avoid many of these difficulties by “self insuring” and hiring insurers simply to administer their plans.Smaller and less sophisticated firms generally do not self insure.Instead they purchase products that provide both administrative services and insurance.These “fully insured” employers face a particularly daunting search process and make up approximately half the market.
Maggie,那我等会儿就给分^ ^ 这篇论文还有好多呢,我再提问,每个都是100分,我分多(7000多),匿名是觉得丢脸.还过了四,六级呢,找块豆腐撞死算了T.T
我没有QQ,可以用126邮箱发给你吗?如果可以的话我发消息给你!^ ^

摘要：
医疗保险是一项复杂的多属性的产品,但由于购买方式的分歧会影响市场产出.我们研究这些分歧是基于对被保公司的影响.这种矛盾或分歧在团险市场的是否购买“全险”是显得尤为严重.我们估计由于这种分歧引起多于四分之一的顾客从投保人转变到承保人（1997年转移了32.5十亿美元）.我们的分析指出保险市场的这种矛盾同样会对将来健康投资市场的积极性造成打压.
简介：
在美国,65岁以下美国公民的医疗保险都是通过被保公司委托商业保险公司办理的.由于医疗保险是一项复杂多属性的服务,被保公司在购买时面临一个选择难的问题.精明的购买者必须把以下及格问题考虑在内：在承保公司所能提供给的药物是否是工人所需要的,谁是为保险公司提供服务的医生,谁将为这些药物,保险公司的工作和服务买单?购买保险时,当条款中包含承诺对棘手的突发事件的处理时显得尤为困难的去选择.
保险商提供的医疗保险和保险的多样性使得行政费用的上升以及增加购买团险的复杂性.（霍尔2008,1）实力雄厚的被保公司可以通过雇佣专门的保险经理人处理保险事物实现“自我保险”.对于中小型被保公司,则选择自行购买保险行政和保险.这类“全额投保及自行购保”的公司占了大半市场,他们面临繁琐的搜寻购买过程.
PS：你为啥子要匿名?害得我从新申请个号码给你回答,以前哪个号老是回答不起.你先不要给分,等我用另外的一个号回答后你再给我分,）
哦,可能你不满意我的回答呢,你看后满意后再说吧.
PS 2：有些小地方有修改.你额可以把资料发到我qq,我帮你翻译吧.反正我也没事情做.