MHA 708 EXAM A & C HEALTHCARE POLICY
NEWEST 2026 ACTUAL EXAM – LSUS | 100%
VERIFIED GUARANTEED PASS YOUR HEALTH
POLICY GRADUATE COURSE WITH
CONFIDENCE
1. What proportion of insured Americans have private health insurance?
A) 28%
B) 62%
C) 50%
D) 45%
Answer: B
Private health insurance covers approximately 62% of insured Americans, making it the dominant form of
health coverage in the United States; public insurance covers the remaining 28%.
2. What proportion of insured Americans have public health insurance?
A) 28%
B) 62%
C) 35%
D) 50%
Answer: A
Public health insurance programs including Medicare, Medicaid, and CHIP cover approximately 28% of
insured Americans; this percentage reflects the significant role of government-sponsored coverage in the
U.S. healthcare system.
3. What were the four major impacts of the Affordable Care Act (ACA)?
A) Medicare Part D, SCHIP, HIPAA, Mental Health Parity Act
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,B) <26 y/o can be on parent's plan, ACA Marketplace Plans introduced, Pre-existing conditions
"eliminated", Uninsured at <9% after ACA
C) Medicaid expansion only, donut hole closure, annual wellness visits, preventive care coverage
D) Individual mandate, employer mandate, Cadillac tax, IPAB
Answer: B
The ACA's four major impacts include allowing dependents to remain on parent's plans until age 26,
creating state-based Marketplace plans, eliminating pre-existing condition exclusions, and reducing the
uninsured rate to below 9 percent.
4. What is a market justice approach to healthcare?
A) Everyone should have access to healthcare regardless of ability to pay
B) Pay to play – those who can afford healthcare can access it
C) Government provides universal coverage
D) Employers are required to provide insurance
Answer: B
Market justice operates on a "pay to play" principle where healthcare access is based on ability to pay;
this approach assumes individual responsibility for health and minimal government intervention.
5. What is a social justice approach to healthcare?
A) Those who work hardest receive the best care
B) Pay to play – only those with insurance receive care
C) Everyone should have access to healthcare and it should not be based on ability to pay
D) Healthcare is a commodity to be purchased
Answer: C
Social justice holds that healthcare is a basic human right; access should be universal and not
determined by financial status, with government playing a redistributive role to ensure equitable access.
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,6. Most nursing home services are paid for by which funding source?
A) Medicare Part A
B) Private long-term care insurance
C) Medicaid
D) Out-of-pocket payments
Answer: C
Medicaid is the primary payer for long-term care services in the United States, covering the majority of
nursing home costs; Medicare covers only limited skilled nursing facility stays following hospitalization.
7. Medicare Part A covers what type of long-term care services?
A) Unlimited nursing home care for chronic conditions
B) A limited number of long-term care services
C) All custodial care in nursing facilities
D) Home health aide services only
Answer: B
Medicare Part A covers limited skilled nursing facility care (up to 100 days per benefit period with specific
qualifying criteria) but does not cover most custodial long-term care needs.
8. What is the least popular funding source for long-term care?
A) Medicare
B) Medicaid
C) Private long-term care insurance
D) Out-of-pocket payments
Answer: C
Private long-term care insurance is the least popular funding source due to high premiums, strict
underwriting requirements, policy complexity, and limited uptake among older adults.
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, 9. What government-funded health coverage programs are available in the United States?
A) Only Medicare
B) Medicare, Medicaid, and Children's Health Insurance Program (CHIP)
C) Medicaid and VA benefits only
D) TRICARE and CHIP only
Answer: B
The three major government-funded health coverage programs are Medicare (elderly and disabled),
Medicaid (low-income individuals and families), and CHIP (children in families with income too high for
Medicaid but unable to afford private insurance).
10. How is healthcare financed in the United States?
A) Single-payer government system only
B) Private health insurance (62% coverage) and public health insurance (28% coverage)
C) Employer-based insurance exclusively
D) Out-of-pocket payments only
Answer: B
The U.S. healthcare system uses a mixed financing model combining private health insurance (covering
approximately 62% of insured Americans) and public health insurance programs (covering approximately
28%), with the remainder uninsured or covered by other programs.
11. Which children are eligible for CHIP by age and income level?
A) All children regardless of income
B) Children in uninsured families whose income falls at or below 170% of the federal poverty level (FPL)
C) Only children with disabilities
D) Children in families above 400% FPL
Answer: B
4|Page SUCCESS!!!
NEWEST 2026 ACTUAL EXAM – LSUS | 100%
VERIFIED GUARANTEED PASS YOUR HEALTH
POLICY GRADUATE COURSE WITH
CONFIDENCE
1. What proportion of insured Americans have private health insurance?
A) 28%
B) 62%
C) 50%
D) 45%
Answer: B
Private health insurance covers approximately 62% of insured Americans, making it the dominant form of
health coverage in the United States; public insurance covers the remaining 28%.
2. What proportion of insured Americans have public health insurance?
A) 28%
B) 62%
C) 35%
D) 50%
Answer: A
Public health insurance programs including Medicare, Medicaid, and CHIP cover approximately 28% of
insured Americans; this percentage reflects the significant role of government-sponsored coverage in the
U.S. healthcare system.
3. What were the four major impacts of the Affordable Care Act (ACA)?
A) Medicare Part D, SCHIP, HIPAA, Mental Health Parity Act
1|Page SUCCESS!!!
,B) <26 y/o can be on parent's plan, ACA Marketplace Plans introduced, Pre-existing conditions
"eliminated", Uninsured at <9% after ACA
C) Medicaid expansion only, donut hole closure, annual wellness visits, preventive care coverage
D) Individual mandate, employer mandate, Cadillac tax, IPAB
Answer: B
The ACA's four major impacts include allowing dependents to remain on parent's plans until age 26,
creating state-based Marketplace plans, eliminating pre-existing condition exclusions, and reducing the
uninsured rate to below 9 percent.
4. What is a market justice approach to healthcare?
A) Everyone should have access to healthcare regardless of ability to pay
B) Pay to play – those who can afford healthcare can access it
C) Government provides universal coverage
D) Employers are required to provide insurance
Answer: B
Market justice operates on a "pay to play" principle where healthcare access is based on ability to pay;
this approach assumes individual responsibility for health and minimal government intervention.
5. What is a social justice approach to healthcare?
A) Those who work hardest receive the best care
B) Pay to play – only those with insurance receive care
C) Everyone should have access to healthcare and it should not be based on ability to pay
D) Healthcare is a commodity to be purchased
Answer: C
Social justice holds that healthcare is a basic human right; access should be universal and not
determined by financial status, with government playing a redistributive role to ensure equitable access.
2|Page SUCCESS!!!
,6. Most nursing home services are paid for by which funding source?
A) Medicare Part A
B) Private long-term care insurance
C) Medicaid
D) Out-of-pocket payments
Answer: C
Medicaid is the primary payer for long-term care services in the United States, covering the majority of
nursing home costs; Medicare covers only limited skilled nursing facility stays following hospitalization.
7. Medicare Part A covers what type of long-term care services?
A) Unlimited nursing home care for chronic conditions
B) A limited number of long-term care services
C) All custodial care in nursing facilities
D) Home health aide services only
Answer: B
Medicare Part A covers limited skilled nursing facility care (up to 100 days per benefit period with specific
qualifying criteria) but does not cover most custodial long-term care needs.
8. What is the least popular funding source for long-term care?
A) Medicare
B) Medicaid
C) Private long-term care insurance
D) Out-of-pocket payments
Answer: C
Private long-term care insurance is the least popular funding source due to high premiums, strict
underwriting requirements, policy complexity, and limited uptake among older adults.
3|Page SUCCESS!!!
, 9. What government-funded health coverage programs are available in the United States?
A) Only Medicare
B) Medicare, Medicaid, and Children's Health Insurance Program (CHIP)
C) Medicaid and VA benefits only
D) TRICARE and CHIP only
Answer: B
The three major government-funded health coverage programs are Medicare (elderly and disabled),
Medicaid (low-income individuals and families), and CHIP (children in families with income too high for
Medicaid but unable to afford private insurance).
10. How is healthcare financed in the United States?
A) Single-payer government system only
B) Private health insurance (62% coverage) and public health insurance (28% coverage)
C) Employer-based insurance exclusively
D) Out-of-pocket payments only
Answer: B
The U.S. healthcare system uses a mixed financing model combining private health insurance (covering
approximately 62% of insured Americans) and public health insurance programs (covering approximately
28%), with the remainder uninsured or covered by other programs.
11. Which children are eligible for CHIP by age and income level?
A) All children regardless of income
B) Children in uninsured families whose income falls at or below 170% of the federal poverty level (FPL)
C) Only children with disabilities
D) Children in families above 400% FPL
Answer: B
4|Page SUCCESS!!!
