哈维财政学英文题库 Chapter 09.pdfVIP

Chapter9

TheHealthCareMarket

MultipleChoice

1.Whentheaveragebuyerofaninsurancepolicyislikelytohavehigherriskthanothersinhis

class,thisisknownas

A)adverseselection.

B)moralhazard.

C)asymmetricinformation.

D)anHMO.

E)noneoftheabove.

Ans:a

2.TheinfantmortalityrateintheUnitedStatesis

A)6.9

B)8.3

C)2.2

D)1.5

E)noneoftheabove

Ans:a

3.Payingmoneyinordertoguaranteeacertainlevelofcompensationshouldanadverseevent

occuris

A)riskaversion

B)risksmoothing

C)riskpooling

D)riskrating

Ans:b

4.Thetotalpercentageofout-of-pocketexpendituresforhealthin2000was

A)18.2%

B)19.0%

C)14.7%

D)10.5%

Ans:c

5.Healthcaremarketsmaybeinefficientbecauseof

A)poorinformation.

B)adverseselection.

C)moralhazard.

D)alloftheabove.

E)noneoftheabove.

Ans:d

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6.Athird-partypaymentis

A)madebythreepeople

B)apaymentthatrequiresthreesignatures

C)ismadebysomeoneotherthantheconsumer

D)isnotusedintheUShealthsystem

E)alloftheabove

Ans:c

7.Thegovernmentcanaddress__________byprovidinguniversalhealthinsurancecoverage

andcharginguniformpremiums.

A)expectedutility

B)asymmetricinformation

C)commodityegalitarianism

D)moralhazard

E)adverseselection

Ans:e

8.Marginalbenefitandmarginalcostmust_______toavoidadeadweightloss.

A)equal

B)neverequal

C)decreaseatanincreasingrate

D)increaseatanincreasingrate

E)alloftheabove

Ans:a

9.Mostprivateinsuranceisprovidedby

A)employersasabenefittotheiremployees.

B)thefederalgovernment.

C)HMOs.

D)theOfficeofHealthInsurance.

E)alloftheabove.

A