ACA Compliance & Consumer Protections

Question 1

What is one key consumer protection under the ACA?

Accepted Answer

Insurers cannot deny coverage for pre-existing conditions

Answer

Insurers can deny coverage for pre-existing conditions

Answer

Insurers can charge women higher premiums

Answer

Consumers have no rights under ACA protections

Question 2

Which entity is responsible for enforcing ACA compliance?

Accepted Answer

Department of Health and Human Services (HHS)

Answer

Federal Aviation Administration

Answer

Internal Revenue Service (IRS)

Answer

National Park Service

Question 3

What is the purpose of the ACA’s Medical Loss Ratio rule?

Accepted Answer

To ensure a majority of premiums fund healthcare services

Answer

To allow insurers to retain all premiums as profit

Answer

To eliminate rebates for consumers

Answer

To increase administrative costs for insurers

Question 4

How does the ACA protect consumers from surprise medical bills?

Accepted Answer

By requiring transparency in coverage and prohibiting surprise billing

Answer

By allowing insurers to charge hidden fees

Answer

By allowing emergency rooms to charge any amount

Answer

By increasing patient responsibility for medical costs

Question 5

What does the ACA require insurers to include in all health plans?

Accepted Answer

Essential health benefits such as preventive care and maternity services

Answer

Only hospital visits and prescription drugs

Answer

Only emergency room services

Answer

Coverage is determined by each insurer with no regulations

Question 6

How does the ACA ensure consumer access to accurate health plan information?

Accepted Answer

By requiring insurers to offer a standardized Summary of Benefits and Coverage

Answer

By allowing insurers to provide vague coverage details

Answer

By limiting the information insurers must disclose

Answer

By allowing insurers to change policies without notification