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ISC2 HCISPP Exam - Topic 4 Question 90 Discussion

Which of the following is true of experience rating?
B) It provides affordable coverage to the chronically ill.
A) High risk patients pay relatively low premiums.
C) Young, healthier groups have cheaper premiums.
D) The elderly have among the lowest premiums.

ISC2 HCISPP Exam - Topic 4 Question 90 Discussion

Actual exam question for ISC2's HCISPP exam
Question #: 90
Topic #: 4
[All HCISPP Questions]

Which of the following is true of experience rating?

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Suggested Answer: B

by Danica at Jun 01, 2024, 04:01 AM

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Halina
7 months ago
I thought high-risk patients paid more, so A can't be right!
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Millie
8 months ago
B is misleading, it’s not just about affordability for the chronically ill.
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Paz
8 months ago
Wait, how can the elderly have low premiums? That seems off.
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Gilma
8 months ago
Totally agree, C makes the most sense.
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Launa
8 months ago
C is true! Young folks usually pay less.
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Shanice
9 months ago
I practiced a similar question, and I think C is correct because it aligns with how insurance usually works for different age groups.
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Glory
9 months ago
I'm not entirely sure, but I feel like experience rating has to do with risk assessment, which makes me doubt B and D.
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Haley
9 months ago
I remember something about how younger, healthier groups typically get lower premiums, so C might be the right answer.
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Malcolm
9 months ago
I think experience rating means that higher risk patients actually pay more, so A seems wrong.
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Mariann
9 months ago
I'm feeling pretty confident on this. Experience rating is all about charging higher premiums to higher risk individuals, so the answer has to be C - young, healthier groups have cheaper premiums. That makes the most sense to me.
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Janey
9 months ago
Okay, I've got this. Experience rating means that higher risk individuals pay higher premiums, so the correct answer has to be A - high risk patients pay relatively low premiums. That doesn't sound right, so I'll rule that one out.
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Albert
9 months ago
Hmm, I'm a little confused on this one. I know experience rating is about adjusting premiums based on the insured's risk, but I'm not sure which of these options is true. I'll have to think it through carefully.
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Nana
9 months ago
I'm pretty sure experience rating has to do with how insurance premiums are set based on the risk profile of the insured. I think the correct answer is C - young, healthier groups have cheaper premiums.
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Darnell
9 months ago
Preventing unwanted NLRI from entering the AS - that's definitely an export policy. I'm going to rule that one out.
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Arleen
9 months ago
This seems straightforward. I'm pretty confident I can select the correct answer based on the information provided.
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Stevie
9 months ago
Hmm, this seems pretty straightforward. I'll read through the question carefully and think about the different file transfer protocols mentioned.
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Arthur
1 year ago
Ah, the classic experience rating question. Trick question much? I'm going to go with C, the young and healthy get the cheaper premiums. Hopefully, that's the right answer.
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Apolonia
1 year ago
Actually, D is the correct answer. The elderly typically have among the lowest premiums due to their lower risk levels.
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Makeda
1 year ago
I'm not sure, but I think B might be correct. It provides affordable coverage to the chronically ill.
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Stephania
1 year ago
I agree, it's all about spreading the risk. High risk patients usually pay more in premiums.
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Vi
1 year ago
I think you're right, C does make sense. Young, healthier groups usually have cheaper premiums.
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Sanda
1 year ago
Yeah, I agree. Young, healthier groups usually have cheaper premiums.
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Hildred
1 year ago
I think you're right, C does sound like the correct answer.
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Ashanti
1 year ago
Hmm, let's see... the elderly have the lowest premiums? Yeah, right. I'm pretty sure that's not how experience rating works.
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France
1 year ago
But experience rating usually means younger, healthier people pay less.
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Anissa
1 year ago
I'd rather experience a nap than try to figure out this confusing question. C'mon, give us some real options here!
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Thomasena
1 year ago
D) The elderly have among the lowest premiums.
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Matthew
1 year ago
I wish there were better options to choose from.
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Rory
1 year ago
C) Young, healthier groups have cheaper premiums.
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Georgeanna
1 year ago
A) High risk patients pay relatively low premiums.
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Aliza
1 year ago
Experience rating? More like experience rating yourself for a marathon after seeing the options here. None of these sound right to me.
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Tamra
1 year ago
I disagree, I believe it's A.
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France
1 year ago
I think the answer is C.
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