MA 5

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.

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.

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.

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.

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.

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.

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.

Front

In 2008, Zoe, an uninsured single parent working two part-time jobs, could not qualify for Medicaid despite her low income. This situation was due to:

Back

Medicaid being limited to specific categories, such as pregnant women or the disabled.

Front

Before the ACA, why might Benjamin, working in industries such as retail or hospitality, have struggled to obtain insurance?

Back

Employer-sponsored insurance was only available to full-time employees, not part-time workers.

Front

Ava and Harper are reviewing their health insurance options. They notice that an ACA provision prohibits insurers from charging women higher premiums than men for the same coverage. This change reflects the elimination of:

Back

Gender rating in insurance plans.