AHIP Exam AHM-520 Topic 5 Question 91 Discussion

Actual exam question for AHIP's AHM-520 exam

Question #: 91
Topic #: 5

Most organizations that obtain group healthcare coverage can be classified as one of three types of groups: employer-employee groups, multiple employer groups, and professional associations. One true statement about these types of groups is that

AAnti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

BPrivate employers typically present a higher underwriting risk to health plans than do public employers

CIndividual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association

DI health plan is prohibited, when evaluating the risks represented by a professional association, from considering the industry experience of the agent or broker that sells a group plan to the association

Show Suggested Answer

Suggested Answer: C

by Stephanie at Jul 02, 2024, 08:19 AM

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Corinne

1 months ago

Ah, the joys of group healthcare coverage. Where the rules are made up and the points don't matter. Time to start my own professional association of professional association experts.

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Anna

1 months ago

Wait, so health insurance companies are actually allowed to consider risk factors? I thought they just threw darts at a board to determine premiums.

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Suzan

7 days ago

C) Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association

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Sabra

14 days ago

B) Private employers typically present a higher underwriting risk to health plans than do public employers

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Tamesha

19 days ago

A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

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Merilyn

1 months ago

Option D is a bit of a head-scratcher. Why would a health plan be prohibited from considering the industry experience of the agent or broker? Seems like that would be relevant information.

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Evangelina

1 months ago

Hmm, this one's a tough one. I'm leaning towards option B, but I'd better double-check my understanding of public and private employer risk.

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Ciara

3 days ago

C) Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association

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Marica

14 days ago

B) Private employers typically present a higher underwriting risk to health plans than do public employers

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Aaron

17 days ago

A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

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Gabriele

1 months ago

Option A seems plausible, but I'm not sure if that's the best answer. The anti-selection risk could vary depending on the specific group.

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Shawn

24 days ago

Option A seems plausible, but I'm not sure if that's the best answer. The anti-selection risk could vary depending on the specific group.

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Van

25 days ago

B) Private employers typically present a higher underwriting risk to health plans than do public employers

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Carisa

1 months ago

A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

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Carlene

2 months ago

I'm not sure, but I think the answer might be D. Health plans can't consider the industry experience of the agent or broker when evaluating risks for a professional association.

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Marilynn

2 months ago

I think option C is the correct answer. Individual members of a multiple-employer group or a professional association are typically required to obtain healthcare coverage through the group or association.

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Alonso

1 months ago

Yeah, that does make sense. It helps with ensuring everyone in the group has access to healthcare benefits.

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Galen

2 months ago

I agree, option C seems to be the most accurate. It makes sense for members to get coverage through the group.

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Erinn

2 months ago

I disagree, I believe the answer is C. Individual members of those groups are usually required to get coverage through the group.

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Beckie

2 months ago

I think the answer is A, because multiple-employer groups and professional associations may have members with higher health risks.

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