Health Care Reform

Question 1

Define Guaranteed Issue

Answer 1

Everyone who applies for health insurance, gets it

Question 2

What are the factors of the modified community rating?

Answer 2

age, smoking, geography

Question 3

The ACA addressed:

Answer 3

Access and Quality but not really cost

Question 4

How much must an employer contribute to insurance plans?

Answer 4

At least 60%

Question 5

How many employees must there be for a company to automatically have to enroll them in an employer-sponsored plan?

Answer 5

200 or more

Question 6

Employers must offer health coverage when they have what number of employees?

Answer 6

50 or more

Question 7

A low-income employee’s portion of the premium for insurance coverage can’t exceed ____% of income

Answer 7

9.5%

Question 8

Who was excluded from Medicaid prior to ACA?

Answer 8

Non-disabled, non-pregnant adults without dependent children

Question 9

The federal government covers ____% of expansion for the first 3 years and then ____% after that.

Answer 9

100%, then 90%

Question 10

Pre-existing condition exclusion and option of rescission were eliminated by ______ _______

Answer 10

guaranteed issue

Question 11

Guaranteed issue allows 3:1 rating variation based on _____, ______, and ______

Answer 11

age, geographic area, and tobacco use