Which of the following is FALSE regarding insurance or intermediaries? 1 pointIn the US, the most common way people get insurance is through their employer. Insurance companies and government programs are two different types of intermediaries. If you are a healthy person in a risk pool with people of a range of health statuses (i.e. sick and healthy individuals), your premium will likely be higher than your expected spending. Private insurance can only be obtained through an employer.

Question 19Which of the following is true regarding public and private health insurance?1 pointWithin the private insurance market in the US, is uncommon for people to need to buy separate coverage for things like optometry or dental careIf a government decides to act as a public intermediary, it can decide what type of plan to act most like (e.g. HMO, PPO)Countries have either public insurance or private insurance options, but not bothIndividual private insurance companies in the US each offer one type of product (e.g. HMO, PPO)20.Question 20

Question 1What are the two general kinds of intermediaries that do risk-pooling in the US healthcare system? Describe at least one important difference between them.

In the private sector, 56% of patients pay for their health care with insurance that they get primarily through themselves.

The following are sources of business for insurance except: Question 6Select one:a.Personal and Commercial b.Business and Non-business c.Personal and Non-personal d.Private and business

Why do people typically purchase insurance policies?A.They would not be able to pay for major expenses without insurance.B.They believe insurance policies will increase in value over time.C.They anticipate that they will never have to pay their deductibles.D.They calculate that their insurance premiums will be greater than their benefits.