Fun with Numbers
Mandates
What's in, What's out (True/False)
Exchanges
Massachusetts Law
100
The year in which it is required that everyone purchase qualifying health insurance.
What is 2014.
100
An individual mandate solves this problem by not allowing people to choose to buy insurance only when they need it.
What is adverse selection.
100
The ACA allows a government panel to make end-of-life decisions for people on Medicare.
What is False, No such panels exist. While early versions of the law did contain provisions that would allow Medicare to reimburse physicians for voluntary discussions with patients about end-of-life planning, these provisions were dropped from the final legislation.
100
An entity where individuals and small businesses can purchase insurance with plans that are regulated and standardized.
What is an exchange!
100
The Massachusetts health care insurance reform law was passed in this year.
What is a 2006.
200
This percentage of the uninsured people are low income.
What is 66% (about 2/3).
200
In a recent survey, the main reason by why individuals did not buy insurance.
What are premium costs.
200
Medicaid will be expanded to cover low-income, uninsured adults regardless of whether they have children.
What is --True, Medicaid will be expanded to cover nearly all individuals under age 65 with incomes up to 133% of the federal poverty level ($14,400 for an individual or $29,300 for a family of four in 2010).
200
Employers who offer coverage may provide this to employees at less then 400% FPL to purchase insurance in the Exchange.
What are free vouchers.
200
This vegetable (or is it a fruit?) may not be used in the production of clam chowder.
What is a tomato.
300
A business is considered "large" if it has more than this many employees.
What is 100 employees.
300
Costs are higher in this market than for those who have insurance through their employers.
What is individual insurance.
300
The ACA will create a new government run insurance plan to be offered along with private plans.
What is False, The law does not create a new government-run health insurance plan. The existing Medicaid program will be expanded to cover more low income people, government regulation of the health insurance industry will be increased, and tax credits will be provided to make private health insurance more affordable for people.
300
An exchange helps solve this problem by providing a place for people to purchase insurance who don’t receive it from their employer or who can’t afford to purchase in the costly individual insurance market.
What is uninsurance.
300
To wear this 90’s facial hair trend, you must pay a special fee for the privilege of wearing one in public.
What is Goatee.
400
This age group has the highest rate of uninsurance.
What is 19-24 year olds (20s accepted).
400
These will be given to small business employers who purchase insurance for their employees.
What are tax credits.
400
The ACA will allow undocumented immigrants to receive financial help to buy health insurance.
What is False, Undocumented immigrants are not eligible to receive financial help from the government to buy health insurance, nor are they eligible for Medicaid or to purchase insurance with their own money in the new Exchanges.
400
A purpose of a health insurance exchange.
What is -Offer consumers a choice of health plans and focus on price. -Provide transparent information. -Create administrative mechanism for enrollment. -Facilitate more portable coverage. -Reforming the insurance market.
400
The Massachusettes health insurance reform law created a clearinghouse or commonly known as ________ where individuals and small businesses could purchase insurance.
What is Connector.
500
The number of people in the United States that were uninsured in 2009.
What is 50 million people.
500
Reason why you would be exempt from the individual mandate.
What is: Financial hardship, religious objections, American Indians, incarcerated individuals, undocumented immigrants, those whom the lowest cost option exceeds 8% of their income, and those under 65 with incomes below a tax filing threshold in 2009 of $9,350 for singles an $18,700 for couples.
500
The ACA will prohibit insurance companies from denying coverage because of person's medical history.
What is True, Starting in 2014, all health insurers will be required to sell coverage to everyone who applies, regardless of their medical history or health status.
500
Plans offered within the exchange will be categorized by these FIVE benefit tiers.
What are bronze, silver, gold, platinum, and catastrophic.
500
The Massachusetts health care insurance reform law expanded this program with a new program called CommonwealthCare that provides free or subsidized coverage to individuals.
What is Medicaid.
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