Final answer:
False. The notion that members with an employer group policy make their premium payments directly to the insurance company is false; these payments are facilitated by the employer as part of the employment-based insurance setup.
Step-by-step explanation:
The statement 'Members with an employer group policy make their premium payments directly to Health Net' is False. Typically, with employment-based insurance, the employer facilitates the collection and payment of premiums to the insurance provider like Health Net, which means that the payments are not made directly by the employees. The employer is often responsible for deducting these premiums from the employees' paychecks and remitting them to the insurance company as part of the group policy agreement.
In the context of the employer mandate under The Affordable Care Act, employers with more than 50 employees are required to provide health insurance. This employment-based insurance system helps reduce adverse selection problems in the health insurance market by pooling both high-risk and low-risk individuals, making it more feasible for insurance companies to offer coverage without being disproportionately impacted by high-risk individuals seeking more benefits.