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Health Savings Accounts

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Health Savings Accounts

by rkanthilal » Tue Nov 30, 2010 9:37 pm
Advocates insist that health savings accounts are an efficient method to reduce medical expenses. However, widespread adoption of these accounts will soon undermine the public's health. One reason for this is that most people will be reluctant to deplete their accounts to pay for regular preventive examinations, so that in many cases a serious illness will go undetected until it is far advanced. Another reason is that poor people, who will not be able to afford health savings accounts, will no longer receive vaccinations against infectious diseases.

The statements above, if true, most support which of the following?

(A) Wealthy individuals will not be affected negatively by health savings accounts.

(B) Private health insurance will no longer be available.

(C) Most diseases are detected during regular preventive examinations.

(D) Some people without health savings accounts are likely to contract infectious diseases.

(E)The causal relationship between an individual's health and that person's medical care has been adequately documented.

Source: MGMAT practice test
OA after a few responses...
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Source: — Critical Reasoning |
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by bakhshaliyev » Tue Nov 30, 2010 10:12 pm
IMO D
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by junegmat221 » Wed Dec 01, 2010 3:41 am
Well here is my take
(A) Wealthy individuals will not be affected negatively by health savings accounts.
We are not bothered about Wealthy individuals. These medical accounts are to save expenses for people who are not able to afford. It might be true/False.Passage doesn't speak about them.Incorrect

(B) Private health insurance will no longer be available.
Private Health insurance also is not a part of this passage. I am not sure about the relation between Private health Insurance and Health Savings Account. No definitions given. Incorrect.

(C) Most diseases are detected during regular preventive examinations.
Passage supports that most of the individuals will not have regular preventive examinations. Not the most of the diseases will be detected during regular preventive examinations. Might be only one form of disease is detected with most of individuals. Incorrect.

(D) Some people without health savings accounts are likely to contract infectious diseases.
This statement is feeble because of the word "Some". But this is very much supported in the passage. The Health of public is affected as a whole. So the poor people who are not able to afford the Health savings account might contract diseases.It is not explicitly given though. But i think it is a little bit of valid inference. And this looks to be the best choice. Correct
(E)The causal relationship between an individual’s health and that person’s medical care has been adequately documented.
Nothing is specified as such.Incorrect.
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by sanabk » Wed Dec 01, 2010 2:14 pm
This is finding an inference/conclusion.
D
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by rkanthilal » Wed Dec 01, 2010 8:17 pm
OA is D

Below is the OE for each answer...

(A) The argument does not provide enough information to conclude that wealthy individuals will not be affected negatively by health savings accounts. The argument never specifically mentions wealthy individuals, just people in general.

(B) The argument does not provide enough information to conclude that private health insurance will no longer be available. In fact, private health insurance is never mentioned.

(C) The author argues that people will not get regular preventive examinations, and will therefore not receive medical attention until diseases are advanced. This logic, even if true, does not allow us to conclude that most diseases are detected during regular preventive examinations.

(D) CORRECT. The argument states that "poor people, who will not be able to afford health savings accounts, will no longer receive vaccinations". Based on this statement, it is reasonable to conclude that some people without health savings are likely to contract infectious diseases.

(E) The argument does not provide enough information to conclude that the causal relationship between an individual's health and that person's medical care has been adequately documented. In fact, neither the link between medical care and health nor documentation of such a link is directly discussed.
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