#1
What is the primary goal of healthcare financing?
To ensure financial sustainability of healthcare systems
ExplanationEnsuring the long-term financial viability of healthcare systems.
#2
What is the purpose of deductibles in health insurance plans?
To discourage unnecessary healthcare utilization
ExplanationDiscouraging unnecessary use of healthcare services through upfront costs.
#3
What is the primary objective of health savings accounts (HSAs) in the United States?
To accumulate funds for future medical expenses
ExplanationAccumulating funds for future medical expenses through HSAs.
#4
Which healthcare payment system is based on a fixed, pre-negotiated fee for each service provided?
Fee-for-service (FFS)
ExplanationCharging a predetermined fee for each healthcare service rendered.
#5
In the context of healthcare financing, what does the term 'risk pooling' refer to?
Combining funds to cover the costs of high-risk individuals
ExplanationPooling resources to cover expenses for high-risk individuals.
#6
Which healthcare payment model focuses on paying providers based on the overall health outcomes of the patients they serve?
Value-based purchasing
ExplanationCompensating providers based on the health outcomes of their patients.
#7
In a social health insurance system, who typically contributes to the financing of healthcare services?
Government, employers, and individuals
ExplanationFunding from the government, employers, and individuals in a collective insurance system.
#8
What is the main purpose of Medicaid in the United States?
To provide healthcare coverage for low-income individuals and families
ExplanationOffering healthcare coverage to low-income individuals and families.
#9
Which of the following is a characteristic of a single-payer healthcare system?
Government-funded healthcare for all citizens
ExplanationGovernment funding for healthcare coverage for all citizens.
#10
What is the purpose of health insurance exchanges in the United States?
To facilitate the purchase of health insurance plans
ExplanationStreamlining the process of purchasing health insurance plans.
#11
What is the role of a Health Maintenance Organization (HMO) in healthcare delivery?
To manage and coordinate healthcare services for members
ExplanationManaging and coordinating healthcare services for HMO members.
#12
In the context of healthcare financing, what does the term 'moral hazard' refer to?
Tendency to engage in riskier behavior due to insurance coverage
ExplanationIncreased risk-taking behavior due to insurance coverage.
#13
In the context of healthcare financing, what is adverse selection?
The tendency for higher-risk individuals to seek more comprehensive insurance coverage
ExplanationHigher-risk individuals opting for more extensive insurance coverage.