Homework Topic 10-11 RMI 2101 Fall 2018- In addition to the individual mandate, the ACA contains an employer mandate. Describe the employer mandate. What unintended behavioral change (by employers) do you think think this mandate will cause?

Homework Topic 10-11
RMI 2101
Fall 2018
Make sure you read the syllabus about formatting!!!
1. In addition to the individual mandate, the ACA contains an employer mandate. Describe the
employer mandate. What unintended behavioral change (by employers) do you think think this
mandate will cause?
2. Describe the differences between an HMO and a traditional indemnity plan. What was the
problem with traditional indemnity plans that HMOs tried to fix? What are the downsides to
an HMO vs a traditional indemnity plan?
3. What are the benefits of group vs. individual insurance? What are the potential eligibility
requirements for group insurance?
4. What are the 3 ways employee benefits are paid for? For disability insurance in particular, how
does the payment method use effect the tax benefits?
5. Describe the differences between and HSA and a health care flexible spending account.
6. Describe the Cadillac tax and the (predicted) effects it would have on employee benefit offerings.
How would this reduce overall healthcare costs in the US?
7. Say you have health insurance with a $500 deductible and an 80/20 coinsurance provision with
a maximum OOP of $1500. How much money do you pay if your medical bill is:
i. $400
ii. $800
iii. $1500
iv. $2000
v. $5000
8. What are the differences in PPO vs. HMO insurance. Where does POS insurance fit?
9. Read the article about Singapore’s health system found
here. Describe how Singapore’s system
tries to prevent overuse and overcharging (ie whose incentives do they change, and how) of
medical care as opposed to how the US system does.
10. What are the upsides of offering benefits instead of salary? What are the downsides?
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