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Understanding Health Care Access and Affordability

Description: This quiz will test your understanding of health care access and affordability.
Number of Questions: 15
Created by:
Tags: health care access health care affordability health care policy
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What is the Affordable Care Act (ACA)?

  1. A law that provides health insurance to all Americans.

  2. A law that regulates the health insurance industry.

  3. A law that provides tax credits to help people afford health insurance.

  4. A law that expands Medicaid to cover more people.

Show answer
Correct Option: B
Explanation:

The ACA is a law that regulates the health insurance industry. It requires health insurance companies to cover certain essential health benefits, and it prohibits them from denying coverage to people with pre-existing conditions.

What is the Medicaid expansion?

  1. A provision of the ACA that expands Medicaid to cover more people.

  2. A program that provides health insurance to low-income families.

  3. A program that provides health insurance to people with disabilities.

  4. A program that provides health insurance to veterans.

Show answer
Correct Option: A
Explanation:

The Medicaid expansion is a provision of the ACA that expands Medicaid to cover more people. It allows states to expand Medicaid to cover adults with incomes up to 138% of the federal poverty level.

What is the individual mandate?

  1. A provision of the ACA that requires most Americans to have health insurance.

  2. A provision of the ACA that requires employers to offer health insurance to their employees.

  3. A provision of the ACA that provides tax credits to help people afford health insurance.

  4. A provision of the ACA that expands Medicaid to cover more people.

Show answer
Correct Option: A
Explanation:

The individual mandate is a provision of the ACA that requires most Americans to have health insurance. People who do not have health insurance may have to pay a penalty.

What is the employer mandate?

  1. A provision of the ACA that requires employers to offer health insurance to their employees.

  2. A provision of the ACA that requires most Americans to have health insurance.

  3. A provision of the ACA that provides tax credits to help people afford health insurance.

  4. A provision of the ACA that expands Medicaid to cover more people.

Show answer
Correct Option: A
Explanation:

The employer mandate is a provision of the ACA that requires employers to offer health insurance to their employees. Employers who do not offer health insurance may have to pay a penalty.

What are health insurance exchanges?

  1. Online marketplaces where people can shop for health insurance.

  2. Government agencies that regulate the health insurance industry.

  3. Non-profit organizations that provide health insurance to low-income families.

  4. For-profit companies that provide health insurance to individuals and families.

Show answer
Correct Option: A
Explanation:

Health insurance exchanges are online marketplaces where people can shop for health insurance. Exchanges are run by the federal government or by states.

What are premium tax credits?

  1. Tax credits that help people afford health insurance premiums.

  2. Tax credits that help people afford health insurance deductibles.

  3. Tax credits that help people afford health insurance copayments.

  4. Tax credits that help people afford health insurance coinsurance.

Show answer
Correct Option: A
Explanation:

Premium tax credits are tax credits that help people afford health insurance premiums. The amount of the tax credit is based on the person's income and the cost of the health insurance plan.

What are cost-sharing reductions?

  1. Reductions in the cost of health insurance premiums.

  2. Reductions in the cost of health insurance deductibles.

  3. Reductions in the cost of health insurance copayments.

  4. Reductions in the cost of health insurance coinsurance.

Show answer
Correct Option:
Explanation:

Cost-sharing reductions are reductions in the cost of health insurance deductibles, copayments, and coinsurance. Cost-sharing reductions are available to people who have incomes below a certain level.

What is the Cadillac tax?

  1. A tax on high-cost health insurance plans.

  2. A tax on health insurance premiums.

  3. A tax on health insurance deductibles.

  4. A tax on health insurance copayments.

Show answer
Correct Option: A
Explanation:

The Cadillac tax is a tax on high-cost health insurance plans. The tax is assessed on the portion of the premium that exceeds a certain threshold.

What is the health insurance risk corridor program?

  1. A program that provides financial assistance to health insurance companies that experience losses.

  2. A program that provides financial assistance to health insurance companies that experience profits.

  3. A program that provides financial assistance to people who experience high health care costs.

  4. A program that provides financial assistance to people who have pre-existing conditions.

Show answer
Correct Option: A
Explanation:

The health insurance risk corridor program is a program that provides financial assistance to health insurance companies that experience losses. The program is designed to help stabilize the health insurance market.

What is the health insurance reinsurance program?

  1. A program that provides financial assistance to health insurance companies that reinsure their policies.

  2. A program that provides financial assistance to health insurance companies that do not reinsure their policies.

  3. A program that provides financial assistance to people who experience high health care costs.

  4. A program that provides financial assistance to people who have pre-existing conditions.

Show answer
Correct Option: A
Explanation:

The health insurance reinsurance program is a program that provides financial assistance to health insurance companies that reinsure their policies. The program is designed to help stabilize the health insurance market.

What is the Medicare Part D prescription drug benefit?

  1. A program that provides prescription drug coverage to people with Medicare.

  2. A program that provides prescription drug coverage to people with Medicaid.

  3. A program that provides prescription drug coverage to people with private health insurance.

  4. A program that provides prescription drug coverage to people who are uninsured.

Show answer
Correct Option: A
Explanation:

The Medicare Part D prescription drug benefit is a program that provides prescription drug coverage to people with Medicare. The program is voluntary, and people who enroll in the program pay a monthly premium.

What is the Medicare Advantage program?

  1. A program that allows people with Medicare to get their health care from private health insurance companies.

  2. A program that provides prescription drug coverage to people with Medicare.

  3. A program that provides long-term care coverage to people with Medicare.

  4. A program that provides dental coverage to people with Medicare.

Show answer
Correct Option: A
Explanation:

The Medicare Advantage program is a program that allows people with Medicare to get their health care from private health insurance companies. People who enroll in the program pay a monthly premium, and they may also have to pay a copayment or coinsurance for their care.

What is the Children's Health Insurance Program (CHIP)?

  1. A program that provides health insurance to children from low-income families.

  2. A program that provides health insurance to children from middle-income families.

  3. A program that provides health insurance to children from high-income families.

  4. A program that provides health insurance to children who are uninsured.

Show answer
Correct Option: A
Explanation:

The Children's Health Insurance Program (CHIP) is a program that provides health insurance to children from low-income families. The program is funded by the federal government and the states.

What is the Indian Health Service (IHS)?

  1. A federal agency that provides health care to American Indians and Alaska Natives.

  2. A federal agency that provides health care to veterans.

  3. A federal agency that provides health care to people with disabilities.

  4. A federal agency that provides health care to people who are uninsured.

Show answer
Correct Option: A
Explanation:

The Indian Health Service (IHS) is a federal agency that provides health care to American Indians and Alaska Natives. The IHS provides a wide range of health care services, including primary care, dental care, mental health care, and substance abuse treatment.

What is the National Health Service Corps (NHSC)?

  1. A program that provides scholarships and loan repayments to health care professionals who work in underserved areas.

  2. A program that provides grants to health care providers who serve underserved populations.

  3. A program that provides technical assistance to health care providers who serve underserved populations.

  4. A program that provides research funding to health care researchers who study underserved populations.

Show answer
Correct Option: A
Explanation:

The National Health Service Corps (NHSC) is a program that provides scholarships and loan repayments to health care professionals who work in underserved areas. The NHSC is designed to help address the shortage of health care providers in underserved areas.

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