PUBH 302 QUESTIONS AND ANSWERS SURE A+
✔✔Healthy Savings Account (HSA) - ✔✔- Put money in health savings account, pre-
taxed, can use this money to pay towards health care expenses
- You keep the money year after year - can build up
- Good to couple with savings plan
✔✔Standard Plan - ✔✔Pay a slightly higher premium, but have lower deductible
✔✔Savings Plan - ✔✔- Pay less per month for premium, but higher deductible
- Couple with HSA just in case you do acquire high medical deductibles
✔✔Aging Population - ✔✔A demographic trend that occurs as the average age of a
population rises
✔✔Half of Medicare beneficiaries had incomes below $26,200 per person in 2016. Why
does this matter? - ✔✔Limited income to cover basic expenses
- If you have to spend $6,000 on health care, that's $6,000 less to spend towards
groceries, bills, etc
✔✔Average out-of-pocket spending on services and premiums by traditional medicare
beneficiaries in 2016. What is the main component that drives up the cost of medicare
to individuals and tax payers? - ✔✔Assisted living
✔✔By 2034, the 65+ population will outnumber children for the first time in US history.
What implications does this have for healthcare? - ✔✔- Older persons tend to use more
healthcare services
- Often have comorbid (chronic) conditions
- Living on fixed incomes
✔✔How is medicare funded? - ✔✔- Payroll taxes, premiums, etc
- Medicare Part A is paid by payroll taxes (employers & employees)
- Medicare Part B paid partially by premiums
, ✔✔Diversity in the US population - ✔✔- Population is no longer a majority of whites
- Seeing tremendous projected growth in Hispanic population
- As time goes on, we have become more diverse
✔✔What are the implications for how we provide healthcare to an increasingly diverse
population? - ✔✔- Different characteristics of different people
- Have to treat in a way that shows cultural respect
- Training to provide good quality care to anyone
- Importance of including all kinds of races and ethnicities in healthcare. Research
shows people want to go to people who look like them
✔✔Family Structure - Income - ✔✔- More african american children live in single parent
households than white children
- 18% of US children live in poverty, leading to less access to resources (such as
healthy foods, safe neighborhoods conducive to good health, etc)
- Married parents are more likely to have college degrees
- Married parents earn more (health wealth gradient)
✔✔Low income patients with or without insurance coverage - ✔✔- More likely to forgo
care because of cost
- Worries about affordability are exacerbated by not knowing the cost of services in
advance
- Time away from work and other responsibilities (Non-traditional hours for
appointments; telehealth?)
- Poor experiences with care and distrust of providers
✔✔What trend was seen after the ACA was implemented for 10 years? - ✔✔increased
# of americans with health insurance, mostly from medicaid expansion
✔✔T or F: the ACA stopped high, rapidly rising health care costs - ✔✔false
✔✔What two delivery system reforms had limited success? - ✔✔- Hospital readmission
reduction program (HRRP)
- Medicare accountable care organizations/bundled payments
✔✔What does the public think about private health insurance? - ✔✔- Many opposed to
putting health insurance into the public domain and moving away from private sectors
- People like having control over their health insurance and the ability to choose a plan
✔✔Fill the blank: Medicaid is a _____ _____ between the states and the federal
government - ✔✔cost share
✔✔Healthy Savings Account (HSA) - ✔✔- Put money in health savings account, pre-
taxed, can use this money to pay towards health care expenses
- You keep the money year after year - can build up
- Good to couple with savings plan
✔✔Standard Plan - ✔✔Pay a slightly higher premium, but have lower deductible
✔✔Savings Plan - ✔✔- Pay less per month for premium, but higher deductible
- Couple with HSA just in case you do acquire high medical deductibles
✔✔Aging Population - ✔✔A demographic trend that occurs as the average age of a
population rises
✔✔Half of Medicare beneficiaries had incomes below $26,200 per person in 2016. Why
does this matter? - ✔✔Limited income to cover basic expenses
- If you have to spend $6,000 on health care, that's $6,000 less to spend towards
groceries, bills, etc
✔✔Average out-of-pocket spending on services and premiums by traditional medicare
beneficiaries in 2016. What is the main component that drives up the cost of medicare
to individuals and tax payers? - ✔✔Assisted living
✔✔By 2034, the 65+ population will outnumber children for the first time in US history.
What implications does this have for healthcare? - ✔✔- Older persons tend to use more
healthcare services
- Often have comorbid (chronic) conditions
- Living on fixed incomes
✔✔How is medicare funded? - ✔✔- Payroll taxes, premiums, etc
- Medicare Part A is paid by payroll taxes (employers & employees)
- Medicare Part B paid partially by premiums
, ✔✔Diversity in the US population - ✔✔- Population is no longer a majority of whites
- Seeing tremendous projected growth in Hispanic population
- As time goes on, we have become more diverse
✔✔What are the implications for how we provide healthcare to an increasingly diverse
population? - ✔✔- Different characteristics of different people
- Have to treat in a way that shows cultural respect
- Training to provide good quality care to anyone
- Importance of including all kinds of races and ethnicities in healthcare. Research
shows people want to go to people who look like them
✔✔Family Structure - Income - ✔✔- More african american children live in single parent
households than white children
- 18% of US children live in poverty, leading to less access to resources (such as
healthy foods, safe neighborhoods conducive to good health, etc)
- Married parents are more likely to have college degrees
- Married parents earn more (health wealth gradient)
✔✔Low income patients with or without insurance coverage - ✔✔- More likely to forgo
care because of cost
- Worries about affordability are exacerbated by not knowing the cost of services in
advance
- Time away from work and other responsibilities (Non-traditional hours for
appointments; telehealth?)
- Poor experiences with care and distrust of providers
✔✔What trend was seen after the ACA was implemented for 10 years? - ✔✔increased
# of americans with health insurance, mostly from medicaid expansion
✔✔T or F: the ACA stopped high, rapidly rising health care costs - ✔✔false
✔✔What two delivery system reforms had limited success? - ✔✔- Hospital readmission
reduction program (HRRP)
- Medicare accountable care organizations/bundled payments
✔✔What does the public think about private health insurance? - ✔✔- Many opposed to
putting health insurance into the public domain and moving away from private sectors
- People like having control over their health insurance and the ability to choose a plan
✔✔Fill the blank: Medicaid is a _____ _____ between the states and the federal
government - ✔✔cost share
