MA 5
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University
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Hard
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1.
FLASHCARD QUESTION
Front
In 2009, prior to the ACA, Elijah, an individual with a chronic illness, was denied health insurance by multiple companies. This denial most likely occurred due to:
Back
Insurers’ ability to exclude individuals based on pre-existing conditions.
2.
FLASHCARD QUESTION
Front
Priya, a small business owner in 2008, could not offer health insurance to her employees due to skyrocketing premiums. Which characteristic of the pre-ACA health policy environment does this situation reflect?
Back
Limited tax incentives for small businesses to provide insurance.
3.
FLASHCARD QUESTION
Front
A middle-income family with a child named Emma born with a congenital heart defect faced annual out-of-pocket costs exceeding $20,000 in 2010. Which pre-ACA insurance policy feature was likely responsible?
Back
Annual caps on insurance payouts for medical expenses.
4.
FLASHCARD QUESTION
Front
Olivia's family of four earning 200% of the federal poverty level could not afford health insurance prior to the ACA. After the ACA, they qualified for reduced premiums and lower out-of-pocket costs. Which ACA provision made this possible?
Back
Cost-sharing subsidies and premium tax credits.
5.
FLASHCARD QUESTION
Front
What key change likely contributed to the significant reduction in uncompensated care costs at a rural hospital in Abigail's hometown after 2014 due to the ACA? Options: A. Introduction of health savings accounts (HSAs) for all individuals. B. Medicaid expansion in participating states. C. Elimination of out-of-network hospital billing. D. Increased employer contributions to rural health systems.
Back
Medicaid expansion in participating states.
6.
FLASHCARD QUESTION
Front
Avery in 2017 purchased a health plan through the ACA marketplace that covered maternity care, which had been excluded in her previous private plan. This coverage was mandated by:
Back
Essential health benefits requirements under the ACA.
7.
FLASHCARD QUESTION
Front
Nora lives in a state that initially rejected Medicaid expansion under the ACA. What was one potential consequence for low-income residents like Nora in that state?
Back
They fell into a coverage gap, earning too much for Medicaid but too little for subsidies.
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