Question

A Gold Plan private health insurance enrollee would spend on his deductible:

a. Less than an enrollee with a Silver Plan
b. Less than an uninsured homeless person
c. Less than an unemployed person
d. More than an enrollee with a Bronze Plan

Answer 1

A Gold Plan enrollee would typically have a higher deductible than a Bronze Plan enrollee, resulting in higher up-front costs for medical care. Uninsured individuals, whether homeless or unemployed, do not have a structured deductible but may face very high out-of-pocket medical costs.

Step-by-step explanation:

The question concerns the cost-sharing aspects of private health insurance plans, particularly the deductibles associated with different tiers of coverage such as Gold or Silver plans under the Affordable Care Act (ACA) or other similar health insurance structures.

A Gold Plan enrollee would typically pay more on their deductible than an enrollee with a Bronze Plan, which is designed to have lower monthly premiums but higher deductibles and other out-of-pocket costs. By contrast, the Gold Plan is intended to have higher premiums but lower out-of-pocket costs when medical care is sought. Therefore, the correct answer is (d) More than an enrollee with a Bronze Plan.

Comparing a Gold Plan enrollee to an uninsured person, whether homeless or unemployed, is not as straightforward, as uninsured individuals would not have a structured deductible but would be responsible for the full cost of any medical care they receive out of pocket, which can often be more burdensome than the out-of-pocket costs under a structured insurance plan.