Commercial Health Ins Issues (Mass course #6000182655, 42 credits)

01/10/202501/10/2025 Gary F

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Question 1 of 8

1. Question
This text suggested that having employment as the core of our healthcare financing system leads to underfunding social programs (that often have a major impact on health). Why is that?
- Many of the social causes of medical problems – poor nutrition or poor housing, for example – are not the employer’s financial responsibility. As such, they are often left out of our health insurance discussion, since carriers and employers focus so intently on the next year’s policy renewal price.
- Social programs, as many studies have shown, have little to no impact on medical care or spending
- Employers lobby aggressively to cut social spending programs which might, if they worked well, increase the employer’s insurance premium costs
- Employers, brokers and carriers combine to develop fully comprehensive insurance plans. Anything not included in those plans, virtually by definition, is not relevant to promoting good health.
Question 2 of 8

2. Question
What is Medicaid’s target population?
- Medical care for poor and very low income people
- People suffering from End Stage Renal Disease and Cystic Fibrosis
- Dental care for elderly people
- Retired Americans over age 55
Question 3 of 8

3. Question
Question 4 of 8

4. Question
How does the private insurance model + private sector medical care provision drive up healthcare costs?
- By splitting healthcare financing and healthcare service delivery, thus exacerbating inefficiencies through inappropriate incentives
- By ignoring the obesity epidemic until it was too late
- By misdiagnosing Covid as an 'epidemic' and not a 'pandemic'
- By overpaying primary care physicians at the expense of pharmaceuticals and improved technologies
Question 5 of 8

5. Question
How does this author describe the combination of private health insurance and private sector medical care over time?
- A patchwork of faulty incentives and misplaced resources
- Highly efficient
- World class
- Brilliantly conceived
Question 6 of 8

6. Question
How does this author characterize healthcare inflation since the invention of private health insurance?
- Generally moderate
- Very low
- Easily manageable
- Skyrocketing
Question 7 of 8

7. Question
How does this author characterize the impact of private health insurance on medical care?
- Outstanding, especially compared to any other national program
- Brilliantly cost efficient
- Lower cost than any other financial model
- Inefficient and costly
Question 8 of 8

8. Question
Opponents of healthcare reforms that include more government services have made the same basic argument from the 1940s until today. Which, below, is that argument?
- That reforms are socialist and antithetical to American values
- That reforms will improve the quality of medical care too much
- That reforms will increase the power of primary care physicians over that of specialists
- That reforms will increase the power of medical device manufacturers over that of pharmaceutical manufacturers

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