Americans Health Insurance Quiz

Employer-sponsored insurance

Primary type of health insurance offered through an employer

Affordable Care Act (ACA) was passed in which year?

2010

Medicare

Federal program that provides health insurance to people 65 and older

Medicaid

Jointly funded by federal and state governments

Health Insurance Program for low-income children

Children's Health Insurance Program (CHIP)

Part A

Part of Medicare that covers hospital care

Guaranteed issue

ACA provision that protects people with pre-existing conditions

Individual health insurance marketplace allows people to

Buy private insurance with possible subsidies

Premium

The monthly amount paid to maintain insurance

Deductible

Amount needed to pay before insurance begins covering costs

Co-pay

Fixed Fe paid for specific services

Group most likely to be covered by Medicaid

Low-income families

Medicare Part D provides coverage for

Prescription drugs

Private health insurance companies make money by

Collecting premiums

One criticism of the US health insurance system is that it

Relies heavily on private, employer-based coverage

TRICARE provides health insurance primarily to

Veterans and active-duty military families

The ACA's "individual mandate" originally required

All Americans to purchase health insurance

An Health Maintenance Organization generally requires

Using in-network doctors for most care

A Preferred Provider Organization is known for offering

More flexibility in choosing providers

Out-of-pocket maximum

The total you pay for covered services in a year

Which group is most likely to remain uninsured

Low-income adults in states without Medicaid expansion

High-deductible health plans (HDHPs) are usually paired with

Health Savings Accounts (HSAs)

Medicare Advantage (Part C) plans are offered by

Private insurance companies

One major goal of the Affordable Care Act was to

Expand health coverage and reduce the uninsured rate

Compared to other developed nations, the US health insurance system is often criticized for

Having the highest costs per person