Page 1 of 87
HISTORY OF HEALTHCARE IN AMERICA: WGU D050 COMPLETE STUDY GUIDE &
PRACTICE EXAM QUESTIONS WITH DETAILED- VERIFIED ANSWERS- ALREADY
GRADED A+ || NEWEST EXAM
Health Policy, Healthcare Management, Public Health
• Early History & Foundational Legislation 1–25
• Payment Models & Value-Based Care 26–50
• Regulatory Agencies & Healthcare Systems 51–65
• HIPAA & Privacy Regulations 56–75
• Case Management Models 76–90
• Mental Health & Ethics 91–110
• Contemporary Issues & Future of Healthcare 111–130
• Final Comprehensive Review 131–150
Section 1: Early History & Foundational Legislation (Questions 1–25)
1. When was healthcare first created in the United States, and which act
required sailors to purchase health insurance?
A. 1865, Freedmen's Bureau Act
B. 1798, Act for Relief of the Sick and Disabled Seamen
C. 1911, Wisconsin Workers' Compensation Act
D. 1935, Social Security Act
Correct Answer: B. 1798, Act for Relief of the Sick and Disabled Seamen
, Page 2 of 87
Rationale: The Act for Relief of the Sick and Disabled Seamen of 1798
was the first federal healthcare legislation, requiring sailors to purchase
health insurance.
2. What was created in 1915 by the American Association for Labor
Legislation?
A. The Model Bill for comprehensive health insurance
B. Medicare and Medicaid
C. The Social Security Act
D. The American Medical Association
Correct Answer: A. The Model Bill for comprehensive health insurance
Rationale: In 1915, the American Association for Labor Legislation
created the Model Bill, which provided comprehensive benefits for low-
income workers and introduced the concept of premium contributions.
3. What year did the workers' compensation law pass, and in what state?
A. 1911, Wisconsin
B. 1915, New York
C. 1935, California
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D. 1798, Massachusetts
Correct Answer: A. 1911, Wisconsin
Rationale: The first state-level workers' compensation law was passed
in Wisconsin in 1911.
4. What two reasons were commercial insurance companies initially
reluctant to provide health insurance policies?
A. Fear of government regulation and high startup costs
B. Fear that sick people would deplete funds and concern about
rationing care equitably while generating profit
C. Lack of public demand and low profitability
D. Competition from nonprofit insurers and lack of trained staff
Correct Answer: B. Fear that sick people would deplete funds and
concern about rationing care equitably while generating profit
Rationale: Commercial insurers feared adverse selection (sick people
depleting funds) and struggled with how to ration care equitably while
maintaining profitability.
5. Why was the Social Security Act enacted, and in what year?
, Page 4 of 87
A. 1935, to provide benefits to older adults along with funds for
unemployed, disabled, and children
B. 1965, to establish Medicare and Medicaid
C. 1798, to provide healthcare for sailors
D. 1911, to provide workers' compensation
Correct Answer: A. 1935, to provide benefits to older adults along with
funds for unemployed, disabled, and children
Rationale: Congress enacted the Social Security Act in 1935 to provide
benefits to older adults, along with funds for the unemployed, disabled,
and children.
6. Why was the Social Security Act important to the development of
healthcare in America?
A. It was the first healthcare legislation in the U.S.
B. It led to Medicare and Medicaid in 1965
C. It established the American Medical Association
D. It created the first health insurance companies
Correct Answer: B. It led to Medicare and Medicaid in 1965
HISTORY OF HEALTHCARE IN AMERICA: WGU D050 COMPLETE STUDY GUIDE &
PRACTICE EXAM QUESTIONS WITH DETAILED- VERIFIED ANSWERS- ALREADY
GRADED A+ || NEWEST EXAM
Health Policy, Healthcare Management, Public Health
• Early History & Foundational Legislation 1–25
• Payment Models & Value-Based Care 26–50
• Regulatory Agencies & Healthcare Systems 51–65
• HIPAA & Privacy Regulations 56–75
• Case Management Models 76–90
• Mental Health & Ethics 91–110
• Contemporary Issues & Future of Healthcare 111–130
• Final Comprehensive Review 131–150
Section 1: Early History & Foundational Legislation (Questions 1–25)
1. When was healthcare first created in the United States, and which act
required sailors to purchase health insurance?
A. 1865, Freedmen's Bureau Act
B. 1798, Act for Relief of the Sick and Disabled Seamen
C. 1911, Wisconsin Workers' Compensation Act
D. 1935, Social Security Act
Correct Answer: B. 1798, Act for Relief of the Sick and Disabled Seamen
, Page 2 of 87
Rationale: The Act for Relief of the Sick and Disabled Seamen of 1798
was the first federal healthcare legislation, requiring sailors to purchase
health insurance.
2. What was created in 1915 by the American Association for Labor
Legislation?
A. The Model Bill for comprehensive health insurance
B. Medicare and Medicaid
C. The Social Security Act
D. The American Medical Association
Correct Answer: A. The Model Bill for comprehensive health insurance
Rationale: In 1915, the American Association for Labor Legislation
created the Model Bill, which provided comprehensive benefits for low-
income workers and introduced the concept of premium contributions.
3. What year did the workers' compensation law pass, and in what state?
A. 1911, Wisconsin
B. 1915, New York
C. 1935, California
, Page 3 of 87
D. 1798, Massachusetts
Correct Answer: A. 1911, Wisconsin
Rationale: The first state-level workers' compensation law was passed
in Wisconsin in 1911.
4. What two reasons were commercial insurance companies initially
reluctant to provide health insurance policies?
A. Fear of government regulation and high startup costs
B. Fear that sick people would deplete funds and concern about
rationing care equitably while generating profit
C. Lack of public demand and low profitability
D. Competition from nonprofit insurers and lack of trained staff
Correct Answer: B. Fear that sick people would deplete funds and
concern about rationing care equitably while generating profit
Rationale: Commercial insurers feared adverse selection (sick people
depleting funds) and struggled with how to ration care equitably while
maintaining profitability.
5. Why was the Social Security Act enacted, and in what year?
, Page 4 of 87
A. 1935, to provide benefits to older adults along with funds for
unemployed, disabled, and children
B. 1965, to establish Medicare and Medicaid
C. 1798, to provide healthcare for sailors
D. 1911, to provide workers' compensation
Correct Answer: A. 1935, to provide benefits to older adults along with
funds for unemployed, disabled, and children
Rationale: Congress enacted the Social Security Act in 1935 to provide
benefits to older adults, along with funds for the unemployed, disabled,
and children.
6. Why was the Social Security Act important to the development of
healthcare in America?
A. It was the first healthcare legislation in the U.S.
B. It led to Medicare and Medicaid in 1965
C. It established the American Medical Association
D. It created the first health insurance companies
Correct Answer: B. It led to Medicare and Medicaid in 1965
