CEBS GBA 2 Practice Actual Complete
Exam Questions and Correct Detailed
Answers (100% Correct Answers)
Already Graded A+
According to the RAND Health Insurance Experiment, which variable has
the greatest power in explaining health expenditures?
A.) Welfare eligibility
B.) Prior utilization
C.) Physical health (based on self-reported measures)
D.) General health (based on self-reported measures)
E.) Mental health (based on self-reported measures) - ✔✔B.) Prior
utilization
1
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
,A provision in some group life insurance plans that provides for the
payment of all or part of the death benefit in the event of the insured's
terminal illness is called:
A.) Accelerated death benefits
B.) Waiver of premiums
C.) Maturity value benefits
D.) Continuation-of-protection
E.) Assignment - ✔✔A.) Accelerated death benefits
What reasons are given for the Silver plan being a popular choice among
all the Affordable Care Act (ACA) health plans?
A.) The Silver plan has the greatest actuarial value of all the plans.
B.) Cost-sharing subsidies to lower out-of-pocket costs are available only
to people who select the Silver plan.
C.) The Silver plan has the greatest benefits, even more than the Gold and
Platinum plans.
2
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
,D.) The Silver plan has the lowest out-of-pocket costs of any plan even
before any subsidies.
E.) Many people select the Silver plan because they are not eligible for the
Gold or Platinum plans. - ✔✔B.) Cost-sharing subsidies to lower out-of-
pocket costs are available only to people who select the Silver plan.
Which of the following measures of cost is generally used by analysts when
they are examining the impact of insurance premiums on employees'
choice of health insurance plans?
A.) The loading percentage
B.) The total gross premium
C.) The insurer's profit
D.) The employee's out-of-pocket price
E.) The expected future gross premium - ✔✔D.) The employee's out-of-
pocket price
Which of the following statements regarding recognition as a patient-
centered medical home (PCMH) is correct?
3
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
, A.) The only organization that can officially recognize a PCMH is the
Federally Qualified Health Center Demonstration.
B.) The only organization that can officially recognize a PCMH is the
National Committee for Quality Assurance (NCQA).
C.) No single organization is responsible for recognizing PCMHs.
D.) The main organization that recognizes PCMHs is the Joint Commission
and the Accreditation Commission for Health Care.
E.) A PCMH can be recognized only by the state in which it is domiciled. -
✔✔C.) No single organization is responsible for recognizing PCMHs.
Which of the following statements regarding private health insurance
exchanges and Small Business Health Options Program (SHOP)
exchanges is correct?
A.) A lot of evidence has been produced to show that private exchanges
have been designed to make it easier for small business to self-insure.
4
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
Exam Questions and Correct Detailed
Answers (100% Correct Answers)
Already Graded A+
According to the RAND Health Insurance Experiment, which variable has
the greatest power in explaining health expenditures?
A.) Welfare eligibility
B.) Prior utilization
C.) Physical health (based on self-reported measures)
D.) General health (based on self-reported measures)
E.) Mental health (based on self-reported measures) - ✔✔B.) Prior
utilization
1
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
,A provision in some group life insurance plans that provides for the
payment of all or part of the death benefit in the event of the insured's
terminal illness is called:
A.) Accelerated death benefits
B.) Waiver of premiums
C.) Maturity value benefits
D.) Continuation-of-protection
E.) Assignment - ✔✔A.) Accelerated death benefits
What reasons are given for the Silver plan being a popular choice among
all the Affordable Care Act (ACA) health plans?
A.) The Silver plan has the greatest actuarial value of all the plans.
B.) Cost-sharing subsidies to lower out-of-pocket costs are available only
to people who select the Silver plan.
C.) The Silver plan has the greatest benefits, even more than the Gold and
Platinum plans.
2
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
,D.) The Silver plan has the lowest out-of-pocket costs of any plan even
before any subsidies.
E.) Many people select the Silver plan because they are not eligible for the
Gold or Platinum plans. - ✔✔B.) Cost-sharing subsidies to lower out-of-
pocket costs are available only to people who select the Silver plan.
Which of the following measures of cost is generally used by analysts when
they are examining the impact of insurance premiums on employees'
choice of health insurance plans?
A.) The loading percentage
B.) The total gross premium
C.) The insurer's profit
D.) The employee's out-of-pocket price
E.) The expected future gross premium - ✔✔D.) The employee's out-of-
pocket price
Which of the following statements regarding recognition as a patient-
centered medical home (PCMH) is correct?
3
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
, A.) The only organization that can officially recognize a PCMH is the
Federally Qualified Health Center Demonstration.
B.) The only organization that can officially recognize a PCMH is the
National Committee for Quality Assurance (NCQA).
C.) No single organization is responsible for recognizing PCMHs.
D.) The main organization that recognizes PCMHs is the Joint Commission
and the Accreditation Commission for Health Care.
E.) A PCMH can be recognized only by the state in which it is domiciled. -
✔✔C.) No single organization is responsible for recognizing PCMHs.
Which of the following statements regarding private health insurance
exchanges and Small Business Health Options Program (SHOP)
exchanges is correct?
A.) A lot of evidence has been produced to show that private exchanges
have been designed to make it easier for small business to self-insure.
4
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
