Which statement most accurately describes the relationship between health insurance and health?

1.Question :(TCO 1) Which statement most accurately describes the relationship between health insurance and health?


Student Answer:  Compared with the insured person, the uninsured tend to be diagnosed at later stages of life-threatening illnesses.(Chapter 3, pg 21-22)

Having health insurance has no impact on a person’s overall health. Genetics and lifestyle choices are the only factors proven to impact health.

In an effort to avoid high-cost hospitalizations, the uninsured are more likely to practice health maintenance behaviors than those with insurance.

People who have health insurance display a 25 percent increased risk of dying when compared to the uninsured.






2.Question :(TCO 2) Which of the following are stakeholders in health care policy?


Student Answer:  Individuals, Businesses, Consumers, and Purchasers(Answer located on page 193 in textbook)

Purchasers, Medical Suppliers, Providers, and Businesses


Providers, Hospitals, Physicians, and Insurers







3.Question :(TCO 3) Proportional payments are ________________.


Student Answer:  the ratio of payment to income that is the same for all classes. (Chapter 2, pg. 14)

payments that take a falling percentage of income as income increases.

payments that take a rising percentage of income as income increases.

a set fee regardless of income.








4.Question :(TCO 4) Which of the following is an effective cost control mechanism?


Student Answer:  Raising physician fees


Capitation payments (Located in Chapter 9 on page 108)


Patient cost sharing


Risk transfer








5.Question :(TCO 1) How is Health Policy Formed?


Student Answer:  Through discussion with patients


Through the judicial system


Through the legislative process


Both B and C (Week 1 Lecture)








6.Question :(TCO 3) Which of the following are modes of paying for health care?


Student Answer:  Capitation, Fee-for-service, and Salary


Out-of-pocket payments, individual private insurance, employment-based private insurance, and government financing (Chapter 2, pg 5)

Private Insurance and government financing


Medicare, Medicaid, Private Insurance









1.Question :(TCO 2) What were the most common medical care structures of the first half of the twentieth century?






2.Question :(TCO 4) List the methods of physician payment.






3.Question :(TCO 2) What are the three models of organizing care? Provide a brief description of the care provided at each level.






4.Question :(TCO 4) What is the concept of patient cost sharing? Is it painless form of cost control? For whom?






5.Question :(TCO 3) Describe why private health insurance coverage has decreased over the past decades, creating the uninsured/under insured crisis? Who are the uninsured?