MHA 708 EXAM C HEALTHCARE POLICY
NEWEST 2026 ACTUAL EXAM with
questions and answers with rationales.
**1. What percentage of health coverage in the United States is
provided by private health insurance?**
A) 28%
B) 48%
C) 62%
D) 85%
**Correct Answer: C**
**Rationale:** Private health insurance covers approximately 62% of
Americans, primarily through employer-sponsored plans and individual
marketplace purchases. This remains the dominant form of coverage
despite the growth of public programs .
**2. What percentage of GDP was spent on national health
expenditures in 2020?**
A) 12.5%
B) 15.2%
C) 18.5%
D) 22.1%
**Correct Answer: C**
,**Rationale:** National health expenditures accounted for
approximately 18.5% of GDP in 2020, rising to 19.2% during the COVID-
19 pandemic. The U.S. spends significantly more than any other OECD
nation .
**3. What is considered the #1 driver of healthcare costs in the United
States?**
A) Administrative waste
B) Chronic disease prevalence
C) Price of services, drugs, and devices
D) Aging population
**Correct Answer: C**
**Rationale:** Unlike other developed nations, the U.S. does not
regulate prices. The actual price of drugs, medical devices, and hospital
services is the primary driver of high costs, rather than utilization or
demographics .
**4. What is CHIP?**
A) Comprehensive Health Integration Plan
B) Children's Health Insurance Program
C) Community Health Investment Program
D) Chronic Health Intervention Protocol
**Correct Answer: B**
,**Rationale:** CHIP provides health coverage to eligible children in
families with incomes too high to qualify for Medicaid but too low to
afford private coverage .
**5. Under the Affordable Care Act (ACA), until what age can
individuals remain on their parent's health insurance plan?**
A) 21
B) 24
C) 26
D) 30
**Correct Answer: C**
**Rationale:** The ACA allows individuals under 26 to be covered on
their parent's plan, regardless of student status, marital status, or
financial dependency .
**6. What was the uninsured rate in the U.S. after the ACA was fully
implemented?**
A) 25%
B) 18%
C) 12%
D) Less than 9%
**Correct Answer: D**
, **Rationale:** Following the ACA's implementation, the uninsured rate
dropped to historic lows of less than 9%, expanding coverage to
millions of previously uninsured Americans .
**7. What percentage of healthcare financing is paid out-of-pocket
(OOP) by patients?**
A) 5%
B) 11%
C) 20%
D) 28%
**Correct Answer: B**
**Rationale:** Out-of-pocket expenses account for approximately 11%
of financing. This includes copayments, deductibles, and coinsurance
for services not fully covered by insurance .
**8. Which factor is NOT a primary driver of high healthcare costs?**
A) Reactive medicine
B) Extensive use of technology
C) Low rates of chronic disease
D) Multiple payer system
**Correct Answer: C**
**Rationale:** The U.S. has HIGH rates of chronic disease (not low).
Approximately 75% of spending is for chronic disease management,
NEWEST 2026 ACTUAL EXAM with
questions and answers with rationales.
**1. What percentage of health coverage in the United States is
provided by private health insurance?**
A) 28%
B) 48%
C) 62%
D) 85%
**Correct Answer: C**
**Rationale:** Private health insurance covers approximately 62% of
Americans, primarily through employer-sponsored plans and individual
marketplace purchases. This remains the dominant form of coverage
despite the growth of public programs .
**2. What percentage of GDP was spent on national health
expenditures in 2020?**
A) 12.5%
B) 15.2%
C) 18.5%
D) 22.1%
**Correct Answer: C**
,**Rationale:** National health expenditures accounted for
approximately 18.5% of GDP in 2020, rising to 19.2% during the COVID-
19 pandemic. The U.S. spends significantly more than any other OECD
nation .
**3. What is considered the #1 driver of healthcare costs in the United
States?**
A) Administrative waste
B) Chronic disease prevalence
C) Price of services, drugs, and devices
D) Aging population
**Correct Answer: C**
**Rationale:** Unlike other developed nations, the U.S. does not
regulate prices. The actual price of drugs, medical devices, and hospital
services is the primary driver of high costs, rather than utilization or
demographics .
**4. What is CHIP?**
A) Comprehensive Health Integration Plan
B) Children's Health Insurance Program
C) Community Health Investment Program
D) Chronic Health Intervention Protocol
**Correct Answer: B**
,**Rationale:** CHIP provides health coverage to eligible children in
families with incomes too high to qualify for Medicaid but too low to
afford private coverage .
**5. Under the Affordable Care Act (ACA), until what age can
individuals remain on their parent's health insurance plan?**
A) 21
B) 24
C) 26
D) 30
**Correct Answer: C**
**Rationale:** The ACA allows individuals under 26 to be covered on
their parent's plan, regardless of student status, marital status, or
financial dependency .
**6. What was the uninsured rate in the U.S. after the ACA was fully
implemented?**
A) 25%
B) 18%
C) 12%
D) Less than 9%
**Correct Answer: D**
, **Rationale:** Following the ACA's implementation, the uninsured rate
dropped to historic lows of less than 9%, expanding coverage to
millions of previously uninsured Americans .
**7. What percentage of healthcare financing is paid out-of-pocket
(OOP) by patients?**
A) 5%
B) 11%
C) 20%
D) 28%
**Correct Answer: B**
**Rationale:** Out-of-pocket expenses account for approximately 11%
of financing. This includes copayments, deductibles, and coinsurance
for services not fully covered by insurance .
**8. Which factor is NOT a primary driver of high healthcare costs?**
A) Reactive medicine
B) Extensive use of technology
C) Low rates of chronic disease
D) Multiple payer system
**Correct Answer: C**
**Rationale:** The U.S. has HIGH rates of chronic disease (not low).
Approximately 75% of spending is for chronic disease management,
