HPA 210 Quiz 2 UPDATED ACTUAL
Exam Questions and CORRECT Answers
• The Extent of Coverage - CORRECT ANSWER - o Many people have access to
coverage from more than one source
o May not have coverage for entire year
o No single repository of data exists on who has what sort of coverage over what period of time
o Current Population Survey (CPS)
o American Community Survey (ACS)
o Employee Benefits Research Institute
o Roughly, 82 percent of the U.S. resident non-elderly population in 2011 had some form of
health insurance coverage
o Current Population Survey (CPS) - CORRECT ANSWER - 50,000 households surveyed
in waves
Mostly conducted by phone
Complex set of rules
o American Community Survey (ACS) - CORRECT ANSWER - 3 million housing units
each year
Initiated in 2005
State and community level info
Not as detailed questions
o Employee Benefits Research Institute - CORRECT ANSWER - Summary of data
Summary of survey methods
• Employer-Sponsored Coverage - CORRECT ANSWER - o Obtained as part of the
compensation that workers receive
,o Approximately half of those with this coverage have it through their own employer, the rest as
dependents
o Focus on non elderly
o 58% through employer
o Half through employer, half as dependent
o Age distribution is U shaped
o Drop in children because of CHIP
o Drop around age 21-24 because had to get off parents' plan
o Typically offered to full-time workers
o The number of plans offered by employers varies significantly by firm size in 2012
o Most large firms provide insurance
o Only smallest of small don't
o 2% offered to temporary workers
o 77% of workers in a firm were eligible for coverage, only 81% took it (having coverage
already, premium is too high)
o Some small employers provide funds
o Employers almost always offer one or more managed care plans, typically PPO
o Smaller employers most likely to do a conventional plan but are switching to managed care
plans
o Obtained as part of the compensation that workers receive - CORRECT ANSWER -
Single Coverage
Worker + 1 or Worker + 2
Family Coverage
o Typically offered to full-time workers - CORRECT ANSWER - Only 28 percent of
firms offer coverage to part-time workers (66% of those with >5,000 workers)
o The number of plans offered by employers varies significantly by firm size in 2012 -
CORRECT ANSWER - Of those with 5,000+ employees
, • 25 percent offer three or more plans
• 49 percent offer two plans
Of those with <200 employees
• Only 17 percent offer more than one plan
• Employer-Sponsored Coverage by Industry - CORRECT ANSWER - o Government has
highest coverage
o Agriculture- lowest coverage due to small employees
o Differs by industry
• Percentage of Firms Offering Health Insurance by # of Employees - CORRECT
ANSWER - o More employees -> greater likeliness for there to be employer-sponsored
health insurance
o Average 2012 monthly premium: - CORRECT ANSWER - $ 468 for single coverage
$1,312 for family coverage
o Average 2012 employee premium contribution: - CORRECT ANSWER - $ 79 for single
coverage
$ 360 for family coverage
o Premium contributions have been a constant percentage of total premium for the last decade -
CORRECT ANSWER - Single 16 to 18%
Family 26 to 28%
• Premiums - CORRECT ANSWER - o Premium contributions have been a constant
percentage of total premium for the last decade
o Premiums have been rising at a faster rate than inflation
o PPOs had highest premium
o Differences in covered services, copayments, deductibles, and expected claims
Exam Questions and CORRECT Answers
• The Extent of Coverage - CORRECT ANSWER - o Many people have access to
coverage from more than one source
o May not have coverage for entire year
o No single repository of data exists on who has what sort of coverage over what period of time
o Current Population Survey (CPS)
o American Community Survey (ACS)
o Employee Benefits Research Institute
o Roughly, 82 percent of the U.S. resident non-elderly population in 2011 had some form of
health insurance coverage
o Current Population Survey (CPS) - CORRECT ANSWER - 50,000 households surveyed
in waves
Mostly conducted by phone
Complex set of rules
o American Community Survey (ACS) - CORRECT ANSWER - 3 million housing units
each year
Initiated in 2005
State and community level info
Not as detailed questions
o Employee Benefits Research Institute - CORRECT ANSWER - Summary of data
Summary of survey methods
• Employer-Sponsored Coverage - CORRECT ANSWER - o Obtained as part of the
compensation that workers receive
,o Approximately half of those with this coverage have it through their own employer, the rest as
dependents
o Focus on non elderly
o 58% through employer
o Half through employer, half as dependent
o Age distribution is U shaped
o Drop in children because of CHIP
o Drop around age 21-24 because had to get off parents' plan
o Typically offered to full-time workers
o The number of plans offered by employers varies significantly by firm size in 2012
o Most large firms provide insurance
o Only smallest of small don't
o 2% offered to temporary workers
o 77% of workers in a firm were eligible for coverage, only 81% took it (having coverage
already, premium is too high)
o Some small employers provide funds
o Employers almost always offer one or more managed care plans, typically PPO
o Smaller employers most likely to do a conventional plan but are switching to managed care
plans
o Obtained as part of the compensation that workers receive - CORRECT ANSWER -
Single Coverage
Worker + 1 or Worker + 2
Family Coverage
o Typically offered to full-time workers - CORRECT ANSWER - Only 28 percent of
firms offer coverage to part-time workers (66% of those with >5,000 workers)
o The number of plans offered by employers varies significantly by firm size in 2012 -
CORRECT ANSWER - Of those with 5,000+ employees
, • 25 percent offer three or more plans
• 49 percent offer two plans
Of those with <200 employees
• Only 17 percent offer more than one plan
• Employer-Sponsored Coverage by Industry - CORRECT ANSWER - o Government has
highest coverage
o Agriculture- lowest coverage due to small employees
o Differs by industry
• Percentage of Firms Offering Health Insurance by # of Employees - CORRECT
ANSWER - o More employees -> greater likeliness for there to be employer-sponsored
health insurance
o Average 2012 monthly premium: - CORRECT ANSWER - $ 468 for single coverage
$1,312 for family coverage
o Average 2012 employee premium contribution: - CORRECT ANSWER - $ 79 for single
coverage
$ 360 for family coverage
o Premium contributions have been a constant percentage of total premium for the last decade -
CORRECT ANSWER - Single 16 to 18%
Family 26 to 28%
• Premiums - CORRECT ANSWER - o Premium contributions have been a constant
percentage of total premium for the last decade
o Premiums have been rising at a faster rate than inflation
o PPOs had highest premium
o Differences in covered services, copayments, deductibles, and expected claims
