Question 1

Geyman believes that a single-payer system would be efficient.

Accepted Answer

Geyman is a supporter of a single-payer healthcare system and believes it would be more efficient than the current system.

Question 2

Conservatives value voluntarism.

Accepted Answer

Conservatives generally place a high value on individual and community responsibility, and often promote the idea of voluntary action and charity over government intervention.

Question 3

The free rider problem is a problem for many types of insurance scheme.

Accepted Answer

The free rider problem is a situation where individuals benefit from a public good or service without contributing to its cost. In the context of insurance, this means that some individuals may choose not to purchase insurance or pay premiums, but still receive the benefits of the insurance coverage when needed. This can lead to higher premiums for those who do pay, resulting in an inefficient and unfair system. The free rider problem is a major challenge for many insurance schemes, particularly those that rely on a large pool of participants to spread risk and keep premiums affordable for everyone.

Question 4

The adverse selection problem in insurance occurs when an insurance company selects too many sick people to insure given the number of healthy people that it is insuring.

Accepted Answer

Adverse selection occurs when there is a higher proportion of high-risk individuals in the insured pool than anticipated, leading to increased costs for the insurer. This can lead to premium increases, which may further deter healthy individuals from purchasing insurance, exacerbating adverse selection.

Question 5

According to Norman Daniels, health care differs from ordinary commodities in such a way that its distribution should not be governed by the usual rules of buying and selling in the market economy.

Accepted Answer

Norman Daniels argues that health care is not just another commodity that can be freely bought and sold in a market economy because there are important moral considerations involved in its distribution, such as considerations of need, equality, and distributive justice. Therefore, he believes that health care should be distributed according to principles of fairness and social responsibility, rather than just market competition and individual choice.

Question 6

The U.S. spends more on health care than any other country in the world.

Accepted Answer

According to data from the Organization for Economic Cooperation and Development (OECD), the United States spends more on health care per capita and as a percentage of GDP than any other country in the world.

Question 7

According to Kai Nielsen where the life of everyone matters equally, everyone should receive the same quality of medical treatment, regardless of the ability to pay.

Accepted Answer

Kai Nielsen advocates for the principle that the life of every individual matters equally, which leads to the conclusion that everyone should have access to the same quality of medical treatment irrespective of their financial capacity.

Question 8

One cause of the increase in health care cost is the fact that Americans are typically unwilling to accept the explicit rationing of resources that would involve, for example, denying heart transplants to people in their seventies or mammograms to women in their thirties.

Accepted Answer

Americans have a strong cultural belief in the sanctity of life and view health care as a right rather than a privilege. This makes it difficult for policymakers to implement explicit rationing of healthcare resources, leading to an increase in healthcare costs.

Question 9

Donald Light believes that universal access to health care should be supported by conservatives on the basis of the principle of personal integrity.

Accepted Answer

According to Donald Light, universal access to health care should be considered a conservative value because it is based on the principle of personal integrity and responsibility for oneself and others. Universal access to health care ensures that everyone has the opportunity to maintain their health and well-being without being burdened by the costs of medical care, which aligns with conservative ideals of personal responsibility and self-sufficiency.

Question 10

Having a large percentage of uninsured people in a population will lead to a less healthy population.

Accepted Answer

When a significant portion of the population is uninsured, they are more likely to delay or forego necessary medical care, which can lead to untreated illnesses and chronic conditions. Additionally, uninsured individuals may be less likely to engage in preventive behaviors like regular check-ups and screenings. All of these factors can ultimately result in a less healthy population.

Question 11

There is currently a legally recognized claim right to health care in American society.

Accepted Answer

The answer of There is currently a legally recognized claim...

Question 12

Under the terms of the Affordable Health Care Act, starting in 2014, almost everyone in the U.S. is required to have medical insurance. Those who fail to get insurance are penalized, and those who are unable to afford it are eligible for subsidized coverage.

Accepted Answer

The answer of Under the terms of the Affordable Health...

Question 13

Avik Roy believes that market-based transactions are more efficient that Government mandates.

Accepted Answer

The answer of Avik Roy believes that market-based transactions are...

Question 14

Geyman believes that the insurance industry should be more profit-driven as this would lead to a more efficient system.

Accepted Answer

The answer of Geyman believes that the insurance industry should...

Question 15

Avik Roy believes that economic liberty is of great moral value.

Accepted Answer

The answer of Avik Roy believes that economic liberty is...

Deck 9: Distributing Health Care