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Insurance Principles MCQs

The community rating approach to health insurance premium pricing _____.

Prohibits insurance companies from varying rates based on health status or claims history

Advocates offering Social Security Medicare program to all individuals irrespective of their age

Favors the government's contribution to the health savings account (HSA)

Considers only medical insurance coverage from a private insurance company

Offers consumer directed health plans that go one step beyond a flexible-benefit plan

Answer

Correct Answer: Prohibits insurance companies from varying rates based on health status or claims history

Explanation:

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