Page | 1
HSA 3111 TEST 3 2026 UPDATED
QUESTIONS AND ANSWERS| ACE
YOUR GRADES.
Higher premiums for ______ consumers compared to younger
consumers - correct answer -older
What the formula and how does it work? ACA 3:1 - correct
answer -This is an important issue because this change could
significantly increase premiums for the elderly
Age Band Rating-establishes a range for which insurers can
assess higher premiums from older consumers over younger,
healthier ones to cover increased costs.
High Risk Pool - correct answer -Pre existing people in that pool
pay a higher premium. Gives states 8 billion of dollars to cover
extra cost. Historically high risk pools have not worked. This is
more COST SHIFTING. More and more people enter pool, prices
keep going up. Not fixing the real issue
, Page | 2
Long term care - correct answer -When you can't perform
activities of daily living care such as eating and bathing- go to
specialized or skilled care
Who pays the bulk of home health services? - correct answer -
MediCARE
Ryan White - correct answer -The Ryan White HIV/AIDS Program
is a Federal program that provides HIV-related health services.
Oak Hammock - correct answer -Continuous care until death for
$800,000. Transition from independent to dependent living
When living in a LTC facility, a patient's personal dignity is part of
which of the following? - correct answer -The residents have no
say and the quality of life isn't good
New Morbidity - correct answer -?
HSA 3111 TEST 3 2026 UPDATED
QUESTIONS AND ANSWERS| ACE
YOUR GRADES.
Higher premiums for ______ consumers compared to younger
consumers - correct answer -older
What the formula and how does it work? ACA 3:1 - correct
answer -This is an important issue because this change could
significantly increase premiums for the elderly
Age Band Rating-establishes a range for which insurers can
assess higher premiums from older consumers over younger,
healthier ones to cover increased costs.
High Risk Pool - correct answer -Pre existing people in that pool
pay a higher premium. Gives states 8 billion of dollars to cover
extra cost. Historically high risk pools have not worked. This is
more COST SHIFTING. More and more people enter pool, prices
keep going up. Not fixing the real issue
, Page | 2
Long term care - correct answer -When you can't perform
activities of daily living care such as eating and bathing- go to
specialized or skilled care
Who pays the bulk of home health services? - correct answer -
MediCARE
Ryan White - correct answer -The Ryan White HIV/AIDS Program
is a Federal program that provides HIV-related health services.
Oak Hammock - correct answer -Continuous care until death for
$800,000. Transition from independent to dependent living
When living in a LTC facility, a patient's personal dignity is part of
which of the following? - correct answer -The residents have no
say and the quality of life isn't good
New Morbidity - correct answer -?
