HCISPP · Question #298
In the U.S. health care system, which of the following creates a separation between financing and delivery?
The correct answer is A. Moral hazard. Moral hazard is the behavioral tendency for insured individuals to consume more healthcare than they would if they bore its full cost directly. Because insurance insulates patients from the actual price of services at the point of care, it severs the link between who pays…
Question
In the U.S. health care system, which of the following creates a separation between financing and delivery?
Options
- AMoral hazard
- BPhantom providers
- CPayment
- DInsurance
How the community answered
(54 responses)- A87% (47)
- B2% (1)
- C7% (4)
- D4% (2)
Explanation
Moral hazard is the behavioral tendency for insured individuals to consume more healthcare than they would if they bore its full cost directly. Because insurance insulates patients from the actual price of services at the point of care, it severs the link between who pays (financing) and who uses services (delivery). This disconnect means consumers make utilization decisions without facing true costs, which is the core mechanism driving the separation between the financing and delivery functions in the U.S. system.
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