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AHIP Exam AHM-250 Topic 5 Question 88 Discussion

Actual exam question for AHIP's AHM-250 exam
Question #: 88
Topic #: 5
[All AHM-250 Questions]

The National Association of Insurance Commissioners (NAIC) developed the Small Group Model Act to enable small groups to obtain accessible, yet affordable, group health benefits. The model law limits the rate spread, which is the difference between the highest and lowest rates that a health plan charges small groups, to a particular ratio.

According to the Model Act, for example, if the lowest rate an HMO charges a small group for a given set of medical benefits is $40, then the maximum rate the HMO can charge for the same set of benefits is

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Suggested Answer: B

by Margret at May 22, 2024, 03:22 PM

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Kelvin
5 months ago
As a small business owner, I'm just glad the NAIC is trying to keep health insurance costs down. Any of these options would be better than the rates we're seeing now.
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Rebeca
5 months ago
Haha, I bet the insurance companies would love to charge $160. But the NAIC is probably not that generous with small groups.
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Jarvis
5 months ago
D) $160 seems too high. The model act is supposed to ensure accessibility and affordability, so the maximum rate shouldn't be that much higher than the lowest rate.
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Alida
4 months ago
C) $120
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Olene
4 months ago
B) $80
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Alisha
4 months ago
A) $60
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Malcolm
5 months ago
I think the answer is B) $80. The model act is designed to make health benefits affordable for small groups, so the maximum rate should be reasonable.
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Val
4 months ago
I think it's C) $120, the maximum rate can be higher than the lowest rate.
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Val
4 months ago
I agree, the answer is B) $80.
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Myra
4 months ago
Yes, that makes sense. It's important for small groups to have affordable options for group health benefits.
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Adolph
5 months ago
I agree, the answer is B) $80. The model act aims to keep rates within a certain ratio to make health benefits accessible for small groups.
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Oretha
6 months ago
The answer is clearly C) $120. The model act limits the rate spread to a particular ratio, so the maximum rate would be double the lowest rate.
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Paola
5 months ago
That makes sense, the maximum rate would indeed be double the lowest rate.
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Paola
6 months ago
C) $120
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