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have a newly formed organization and differing organizational cultures. (Points : 40) -------------------------------------------------------------------------- HSM 541 Midterm Exam Guide (New) For more course tutorials visit www.uophelp.com Please check all Questions Below 1. (TCO A) Briefly discuss how characteristics of individuals or populations may influence utilization of health services. Discuss how these characteristics impact access, costs, and quality. Use an example to support your point(s). (Points : 25) Question 2. 2. (TCO D) Describe two state or federal programs that provide health insurance benefits to a specific population. Detail at least two strategies used by either agency to manage access, costs, or quality. (Points : 20) Question 3. 3. (TCO D) Describe the characteristics and demographics of uninsured populations. Discuss the reasons why Americans are uninsured. List at least one option to curb the growing number of uninsured people. (Points : 25)