CACs Healthcare Programs & Coverage Options 3

Question 1

Under the ACA, which of the following is NOT classified as an Essential Health Benefit (EHB) that Marketplace plans must cover?

Accepted Answer

Adult dental care

Answer

Adult dental care is not an Essential Health Benefit; EHBs include pediatric dental/vision but not routine adult dental coverage.

Question 2

A 28-year-old healthy individual with no chronic conditions wants the lowest possible premium. Which plan type might a CAC explain is available only to people under 30?

Accepted Answer

Catastrophic plan

Answer

Catastrophic plans are available to people under 30 (and some with hardship exemptions) and feature very low premiums but high deductibles.

Question 3

The Basic Health Program (BHP) is an optional ACA program that allows states to offer coverage to individuals with incomes between what FPL range who would otherwise be eligible for Marketplace subsidies?

Accepted Answer

133–200% FPL

Answer

The BHP serves individuals at 133–200% FPL (above Medicaid threshold) with more stable, lower-cost coverage than Marketplace plans.

Question 4

Which of the following statements about Advance Premium Tax Credits (APTC) is correct?

Accepted Answer

APTC is paid directly to the insurer to lower monthly premiums

Answer

APTC is sent directly to the insurance company, reducing the consumer's monthly premium payment.

Question 5

COBRA continuation coverage allows workers who lose job-based coverage to continue their employer plan for up to how long?

Accepted Answer

18 months

Answer

COBRA generally allows continuation of group health coverage for up to 18 months after qualifying events like job loss.

(CACs) Certified Application Counselor Practice Test

(CACs) Certified Application Counselor Practice Test

CACs Healthcare Programs & Coverage Options 3