2026考研英语阅读模拟试题

考研英语阅读模拟试题SectionIIReadingComprehension

PartA

Directions:

Readthefollowingfourtexts.AnswerthequestionsbeloweachtextbychoosingA,B,CorD.MarkyouranswersontheANSWERSHEET.

Text3HealthinsurancepremiumsintheU.S.significantlyincreasedbetween1999and2024,outpacingtherateofworkerearningsbythreetimes,accordingtonewlypublishedresearchinJAMANetworkOpen.Premiumscanriseifthecostsofthemedicalservicestheycoverincrease.Usingconsumerpriceindicesbasedonfederaldata,researchersfoundthatthecostofhospitalservicesincreasedthemost,whilephysicianservicesandprescriptiondrugsrosemoreslowly.Someofthepremiumincreasescanbeattributedtoanincreaseinhospitaloutpatientvisitsandcoverageofnewdrugs.Butresearchsuggeststhatpremiumshaverapidlyescalatedmostlybecausehealthsystemconsolidation—whenhospitalsandotherhealthcareentitiesmerge—hasledhospitalstoraisepriceswellabovetheircosts.HospitalsareaggressivelyraisingtheirpriceslargelybecausehospitalCEOshaveincentivestodoso.Onestudyfoundthatfornonprofithealthsystems,thegreatestpayincreasesbetween2012and2019wenttoCEOswhogrewtheprofitsandsizeoftheirorganizationsthemost.However,thefinancialrewardfordeliveringabove-averagequalityofcaredeclined.Increasedcharitycare—freeservicesnonprofithospitalsmustprovidetopatientswhocannotaffordmedicalcare—wasnotsignificantlytiedtoCEOcompensation.BoardmemberssetperformancecriteriathatdeterminethebasesalaryandbonuspaymentsforCEOs.OverhalfofboardmembersattopU.S.hospitalshaveprofessionalbackgroundsinfinanceorbusiness.Asaresult,researchershaveraisedconcernsthatfinancialsuccessisthedominantpriorityattheseinstitutions.Onewaytoensurethatnonprofithospitalsmakecommunityhealthatoppriorityistorequiretheirboardstodiscloseexecutivecompensationguidelines,similartothetransparencyrequiredoffor-profitcompanies.Thegeneralpubliccouldthenpressurecompaniestoputgreaterweightonaffordabilityandqualityofcarewhensettingperformancetargets.Someeconomistsalsosuggestthathospitalpricesberegulated,involvingcappingpricesatthemostexpensivehospitalsandrestrictingpricegrowth.Employers,whobearthebulkofpremiumincreases,couldincludemorepricesensitivitywhendesigningbenefits.Onestudyfoundthatahealthinsuranceplanthatintroducedthreecopaymentlevelscorrespondingtothreehospitaltiersoflow,medium,andhighpricesachievedsavingsof8%perhospitalstayafterthreeyears,withnoevidenceofareductioninquality.Restrainingpricegrowthamongnonprofithospitalswouldintroducegreaterpricecompetitiontothehealthcaremarket.Themissionstatementsofthesesystemsoftenexpressadesiretoservethevulnerable.Enforcingthiscouldtriggerarippleeffect,likelyforcingfor-profitproviderstolowertheirpricesaswell.31.Accordingtothetext,thesharpriseininsurancepremiumsischieflyattributedto______.[A]thewidespreadcoverageofexpensivenewdrugs

[B]theinflationofphysicianservicefeesnationwide

[C]theconsolidationwithinthehealthcaresystem

[D]theincreasedfrequencyofoutpatientvisits32.ThestudyonnonprofithealthsystemsrevealsthatCEOcompensationislargelydeterminedby______.[A]theexpansionoforganizationalscaleandprofit

[B]theprovisionofcharitycaretothepoor

[C]theimprovementofpatientrecoveryrates

[D]theprofessionalbackgroundofboardmembers33.Theauthorsuggeststhatboardmembersofnonprofithospitalsshould______.[A]consistprimarilyofmedicalprofessionals

[B]banfinancialincentivesforexecutives

[C]setrigidpricecapsforallservices

[D]increasetransparencyregardingexecutivepay34.Theexampleofthetieredcopaymentplan(Para.6)servestoprovethat______.[A]employersarebearingtoomuchofthepremiumburden

[B]costsavingscanbeachievedwithoutsacrificingquality

[C]employeespreferhigh-deductiblehealthplans

[D]strictregulationsarenecessaryforpricecontrol35.Itcanbeinferredfromthelastparagraphthatrestrainingnonprofithospitalpricescould______.[A]compromisethemissionofservingvulnerablecommunities

[B]forcefor-profitproviderstoexitthemarket

[C]stimulatecompetitionandlowercostsmarket-wide

[D]leadtoasignificantincreaseindeductiblelevels附注：根据历年考研英语真题阅读题源外刊等，摘选最新文章，模拟仿真出题。参考答案见以下。闻温书在颓败的氛围和时势下仍然保持美态不改。92篇原创内容公众号Quicklook:CADBC31.【答案】C【解析】题型：因果细节题定位：第二段第二句"Butresearch...suggeststhatpremiumshaverapidlyescalatedmostlybecausehealthsystemconsolidation...hasledhospitalstoraiseprices..."分析：文章虽然提到了新药和门诊访问（选项A和D）是部分原因（Someof...），但明确指出“mostlybecause”（主要是因为）卫生系统的整合（consolidation）导致医院提高价格。干扰项：[A]"coverageofnewdrugs"是部分原因，非主要原因。[B]第一段末尾明确说"physicianservices...rosemoreslowly"。[D]"outpatientvisits"同样被列为次要因素。32.【答案】A【解析】题型：细节题定位：第三段第二句"...thegreatestpayincreases...wenttohospitalCEOswhogrewtheprofitsandsizeoftheirorganizationsthemost."分析：研究发现，非营利性医疗系统的CEO薪酬增长主要流向了那些让组织利润和规模增长最多的人。干扰项：[B]原文说"charitycare...wasnotsignificantlytiedtoCEOcompensation"。[C]原文说"financialrewardofdeliveringabove-averagequality...declined"。[D]这是第四段提到的董事会成员的背景，而不是决定CEO薪酬的直接指标。33.【答案】D【解析】题型：建议/细节题定位：第五段第一句"Oneway...istorequiretheirboardstodisclosetheirexecutivecompensationguidelines..."分析：作者提出的建议是要求董事会披露（disclose）高管薪酬准则，即增加透明度（increasetransparency）。干扰项：[A]文中提到目前董事会多为金融背景，引发担忧，但建议部分是说“披露信息”，未直接说必须换人。[B]文中建议关注“affordabilityandquality”，并未说要完全禁止物质激励。[C]这是后文提到的"Someeconomists"的建议（regulate/capping），并非作者针对董事会提出的直接要求（requiretheirboardsto...）。34.【答案】B【解析】题型：例证题定位：第六段"...achievedsavingsof8%...withnoevidenceofareductioninquality."分析：引用分级共付额计划（tieredcopaymentlevels）的研究是为了说明可以在不降低质量（withoutsacrificingquality）的情况下实现成本节约（costsavings）。干扰项：[A]这是背景陈述，不是该例子要证明的观点。[C]例子讲的是"threecopaymentlevels"，未提及员工偏好高免赔额。[D]这是第五段经济学家的观点，不是该例子的结论。35.【答案】C【解析】题型：推断题定位：最后一段"Restrainingpricegrowth...wouldintroducegreaterpricecompetition...likelyforcingfor-profitproviderstolowertheirpricesaswell."分析：文章最后指出，限制非营利医院的价格增长会引入竞争，并迫使营利性提供商也降低价格，从而产生广泛的市场影响（market-wide）。干扰项：[A]文中说这反而符合其"mission"（服务弱势群体），而非妥协。[B]文中说迫使他们"lowertheirprices"，没说要退出市场。[D]文中未提及免赔额（deductible）会增加。【参考译文】根据我们最近发表在《JAMANetworkOpen》期刊上的研究，1999年至2024年间，美国的健康保险保费大幅上涨，其增速是工人工资增速的三倍。如果保险涵盖的医疗服务成本增加，保费就会上涨。研究人员利用基于联邦数据的消费者价格指数发现，在医疗保健的主要组成部分中，医院服务的成本增加最多，而医生服务和处方药的成本上升较慢。部分保费上涨可归因于医院门诊