In the Pure Community Rating Approach to Health Insurance Premium

question 33

Multiple Choice

In the pure community rating approach to health insurance premium pricing, all policyholders in an area pay:

• A) a premium equal to the premium payable to the federal or state insurance exchange for a similar insurance policy.
• B) premiums based on their family size, where they live, whether they use tobacco, and their age.
• C) the same premium without regard to their personal health, age, or gender.
• D) the premium as a contribution to a community pool of funds and utilize it on as-needed basis.
• E) premiums at varied rates based on their health status or claim history.

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Definitions:

Protestant

A follower of any of the Christian churches that separated from the Roman Catholic Church during the Reformation in the 16th century.

Catholic Immigrants

Individuals who migrate from one country to another and identify with the Catholic faith, often facing specific social, economic, and religious challenges in their new country.

Nativist Movement

Political and social movements that favor native inhabitants over immigrants, often characterized by hostility towards those seen as foreign or outside the dominant culture.