四级作文医保【一】
首先得澄清一下，此医保非彼医保，城乡居民医保和我们大多数人加入的城镇职工医保是两回事。而之所以要提高个人缴费，是由于这一新的制度由城镇居民医保和农村新农村合作医疗两大制度组成，如今要整合起来了，这种整合不仅能扩大基金抗风险能力，也能避免农民工同时在农村和城市参加两份保险的低效率重复；并能顺应全国户籍制度改革趋势，避免城镇居保和新农合重复建设。在新的制度框架上实现六个统一中，最首要的就是统一筹资政策，就是把原来较低的新农合筹资标准提高，从而也就需要提高新农合的个人缴费。因此城乡居民医疗保险要提高个人缴费的正确理解是参加新农合者的个人缴费有待提高，而和城镇职工保险参保者没有任何关系，不仅如此，根据中央十三五规划，大部分人参加的职工保险费率还有下降空间。
那新的居民医保个人缴费提高是否合理和应该呢？任何医疗保险，说到底是种互助制度，不管是城镇居民医保还是新农合，都是在居民或农民中互助，把钱集中起来，给生病者用。因此医保制度与过去的公费医疗和劳保医疗最大区别，就是需要自己拿出真金白银，或事前出或看病后拿，更多的是两者兼而有之。只不过居民医保和新农合所针对的人群分别是城镇没有工作的人和农村人口，这些人由于收入低于城镇职工，在缴费上面临困难，制度设计之初为了推动制度建立和扩面，各级政府财政给予了大量补助，财政出大头，个人出小头，使得我国从医保低覆盖国家急速成为广覆盖国家。
无论何种医疗保险，本质上和总体上是作为一种保险制度而非福利制度来安排的，需要有效率目标，医保制度的效率既来自于对医疗服务提供者——医院和医生的管理，又来自于对需求方的责任风险意识安排。这次是在提高政府补助标准的同时，适当提高个人缴费比重，在强调政府责任的同时增强个人的责任意识，更好地使用好医保基金，提高效率；与此同时，当医保总资金由于使用者日益增加、报销比例不断提高面临入不敷出时，受益于大量财政补贴而建立扩展的居民保险，如今受制于财政压力和预算紧缩，医保基金筹资来源自然只能从个人缴费增加入手了。
但我们同时要看到，医保制度又是我国社会保障制度体系的.重要组成部分，承担着收入再分配、实现社会公平的功能，这需要体现在缴费设计上，尤其是居民保险这一无工作人群的医保缴费设计。在这次城乡居民医保制度政策中，虽然已经根据人群情况酌情设计不同缴费，并通过不同档次让人选择；也提到逐步建立个人缴费标准与城乡居民人均可支配收入相衔接的机制，但政策没明确两者如何合理挂钩衔接来增进再分配。同时政策只模糊地提到加强基本医保、大病保险、医疗救助等衔接，鼓励集体、单位或其他社会经济组织给予扶持或资助，但对于缴费困难者如何补贴没有进一步说法。因此，居民保险制度建立虽然有增加个人缴费的合理性，但对居民保险人群还应进一步细分，不仅是让高收入者多缴，让穷困者病后有救助，更要帮助困难者一直缴得起医保金。
提高个人缴费引发关注，相当一部分原因是媒体选择性突出制度系统改革中“个人缴费增加”这一小点，而忽视制度整合的全局性系统性安排，给公众造成了居保制度改革的要点就是增加缴费的片面印象。当然，对居民医保参加者来说，一般也搞不清自己是保险还是福利，一直把财政补贴当“福利”在享受，如今要以个人缴费来弥补基金不足，必然有“福利”下降的感受。
对于社会医疗保险是什么，长期以来我们在认识上还是比较模糊的。现在是时候明确，医保制度是取之于民、用之于民，同时又是社会互助共济的重要方式与手段。这一点我们一定要讲清楚、弄明白，也要通过各种方式让群众理解认知，否则大家都是稀里糊涂，茫茫不知所然，再加上某些媒体专业素养匮乏，必然造成对造福民生的好制度产生相反的误读与质疑。
四级作文医保【二】
Nowadays, many famous university campuses have become one of the popular tourist attractions. It has been shown on TV and on the radio that every year thousands and thousands of middle school students visit Tsing Hua University and Peking University and other famous universities in China. In the place far away from the capital city, the local students also visit the universities famous in their own province.
So far as the present situation is concerned, is it a good or bad thing to open the university campus for tourists? Different people have different opinions. On one hand, some people argued that it is a good thing for the students to visit the famous university campus in that it can enable the middle students to get more information about the university and they can have enough time and opportunity to prepare themselves with the chance to get into the university. On the other hand, some people hold a negative view about this phenomenon. In their opinion, the public tourism will have negative effect on the universities because it will not only do harm to the environment but also to the intellectual atmosphere.
In my opinion, the tourism to the universities is not a good thing. The campus is mainly a place for study. With the increasing tourism on the campus, it will ruin the spiritual atmosphere in this learning field.
首先，提纯范文 “谋篇布局”及结构模板。
第一段：提出问题或现象。Nowadays, … … have become one of the popular … …. It has been shown on TV and on the radio that … ….
第二段：正反列举人们的看法。So far as the present situation is concerned, is it a good or bad thing to … …? Different people have different opinions. On one hand, some people argued that it is a good thing for … … in that … …. On the other hand, some people hold a negative view about this phenomenon. In their opinion, … … will have negative effect on … … because it will not only do harm to … … but also to … ….
第三段：摆明自己观点。In my opinion, … … is not a good thing. … … With the increasing … …, it will ruin … ….
其次，提纯范文“段落写作”。
段落写作分为统一性，连贯性和完整性三方面。
统一性(unity：段落开头的主题句应该做到不可太宽泛，也不可太具体，做到有较强的概括性才能使下文做到有的放矢的展开。范文第二段首句以设问的方式提出一个问题is it a good or bad thing就有很强的概况性。下文自然会一方面从好的方面说明，另一方面从坏的方面说明。
连贯性(coherence：关联词是使文章段落之间相互连贯的必要条件。范文中nowadays, on one hand, on the other hand, in one’s opinion即以“启承转合”递进的顺序是文章条理清晰，层层展开。
完整性(completeness：以设问句“So far as the present situation is concerned, is it a good or bad thing to open the university campus for tourists?”开头，这是平时较少运用的段落写作方式——设问法。“On one hand … …. On the other hand, … ….”是段落写作分类列举法的典型用法。
再次，提纯范文“句子写作”。
1. It has been shown that … …
类似句型：It is known to us that … …
It is said that … …
It is reported that … …
It is controversial that … …
2. “… … Tsing Hua University and Peking University and other famous universities … …。”——并列句。并列句是简单的复杂句。但其运用方法并不简单，注意练习并接句的使用，会使句子显的更加饱满。
3. enable v. 使…能够
I gave him full directions to enable him to find the house.
4. in that = because
表“因为”的连词还有since, for, as，如：
The boy was absent because he was ill. = The boy was absent since he was ill.
此句以我们常用的人称开头，句式简单，我们可以通过把since提前改变句式，如：
Since the boy was ill, he was absent. 句式多样化。
最后，提纯范文“措辞”。
1. attraction n. 具有吸引力的事情。
2. thousands and thousands 成千上万的
形容“多”的表达方法：millions and millions
a multitude of
a great deal of
a large amount of
plenty of
many a
3. “some people argued that … …”中的“argue”并不是“讨论，辩论”的意思，而是“认为”。
I argue that … …
I maintain that … …
I claim that … …
I insist that … … = I think that … …
I hold that … …
I assert that … …
I assume that … …
4. negative adj. 否定的.，相反的
hold negative view = hold opposite opinions
5. phenomenon n. 现象
social phenomenon 社会现象
natural phenomenon 自然现象
6. intellectual adj. 聪明的= intelligent, bright, clever
(选词策略：使用最近所学的单词，如intellectual > intelligent > bright > clever
在分析并掌握范文之后，我们需要运用范文知识练习仿写。笔者运用2005年12月范文中的模板结构仿写了2006年12月的四级作文，以供参考：
1. 许多人喜欢在除夕夜看春节晚会
2. 但有些人提出取消春节晚会
3. 我的看法
Nowadays, the Spring Festival Evening has become one of the popular topic and attractions during every traditional New Year’s Eve. It has been shown on TV and on the radio that every year thousands and thousands of Chinese people appear to be accustomed to enjoying the sights and sounds of a brilliant feast, while gathering with their beloved family.
However, an increasing number of people have voiced different opinions towards it. So far as the present situation is concerned, is it a good or bad thing to cancel the Spring Festival Evening? Different people have different opinions. On one hand, some people argued that it is a good thing to amuse the audience in that it is composed by a numerous adequate programs, such as the emotional song, the graceful dance, the funny short sketch, the amusing comic dialogue, the delightful magic, and the marvelous acrobatics and so on. On the other hand, some people hold a negative view about this phenomenon. In their opinion, the Spring Festival Evening will have negative effect on the family harmony because it will not only do harm to having the talks between family members on the Spring Festival Eve but also to enjoying the gourmet meal in a fancy restaurant.
In my opinion, the Spring Festival Evening is a good thing. It may not remain a must for all people, but it can bring us a strong sense of festivity and serve as an alternative among the variety of holiday activities. With the increasing audience of the Spring Festival Evening, it will ruin a distinctive culture during the Spring Festival vacation.
四级作文医保【三】
Dear my father and mother,
This letter is my inner feelings. I want to thank both of you for so many years’ care and help.
During my growth, you have made a lot of efforts and love for me. When I make a success, both of you are more excited than me, and support me to do better. Even though I have failed, you always share sorrow with me and encourage me not to give up. Especially, during my preparation for CET-4, the support from you is always everywhere. I have passed the exam successfully.
You love is so unselfish that I am deeply affected, so I will study hard to be a useful person and won’t make you disappointed. Anyway, I would like to express the deep gratitude to you.
With best wishes.
Sincerely yours,
Li Ming
四级作文医保【四】
分析范文或优秀作文是我们学好写作的第一步。不要小看任何的优秀小短文，那其中一定有需要你掌握的内容。To see a world in a grain of sand,
And a heaven in a wild flower,
Hold infinity in the palm of your hand,
And eternity in an hour.
一沙一世界，
一花一天堂，
手中即无限，
永恒亦短暂。
四级作文医保【五】
Dear all,
I am writing this letter to express my gratitude to my parents for teaching me to be positive and to be strong. “Educating the mind without educating the heart is no education at all.” is the opinion held by Aristotle. It is the experience of our forefathers, however, it is correct even today, including my parenting.
It is widely acknowledged that parenting, which can also be explained as family education, is of great significance in our character forming and manner acquiring. To be more detailed, setting good examples instead of just giving precepts is the greatest achievement of my parents. They not only taught me to think for the best and prepare for the worst; they taught me how. They not only told me the benefits of being strong in mind; they proved it. All those things require huge amount of time and work, but it’s worth it.
Without my parents’ contribution and education, I would never be who I am now. But most importantly, I would never be more gratitude to them than today.
Yours,
XXX
四级作文医保【六】
Dear Mary,
You said in your letter that many of your classmates wore fashionableclothes, but you couldn\'t afford them so you felt very depressed. There are dif-ferent views on people\'s clothes. The followings are my ideas:
Firstly, you shouldn\'t put too much emphasis on physical appearance.
Remember that the most important task for you today is to concentrate on yourstudies. No matter what you wear, you will really look your best when youcome out first in your examinations.
Secondly, you should understand that it is a fine virtue to live in fru-gality. Just as a famous saying goes, Frugality is the mother of virtue.
Since your family can\'t provide you with enough money to buy fashionableclothes, it is all the more necessary for you to try to lighten the financialburden of your family. And you will find the virtue of frugality benefit youa lot in your future life.
I hope you understand what I mean. Hope you will take a positive attitudetowards life and will be happy again when you read my letter.
Yours,
Anne
