The Patient Protection and Affordable Care Act — practice questions

5.3% of the exam ≈8 real questions 6 free questions here

Medi-Cal and subsidy eligibility by income, guaranteed issue, enrollment periods, metal tiers, essential health benefits, Covered California and the medical loss ratio: about 8 of the 150 combined questions.

Where people lose points

• Medi-Cal: adults to 138% of FPL, children to 266%.
• Cost-sharing reductions: 138% to 250% of FPL, Silver plans only.
• Premium tax credits require buying through Covered California.
• Metal tiers: about 60, 70, 80 and 90 percent actuarial value.

Questions and answers, explained

All 2 questions above, with the correct answer and why it is correct. Everything here is on the patient protection and affordable care act.

1. A 26-year-old ages out of his parent's group health plan. How long may he continue that coverage under COBRA?

   • AUp to 36 monthsCorrect
   • BUp to 18 months, the standard period for an employee who leaves a job
   • CCOBRA does not apply to dependents
   • DUp to 6 months

   Why: A dependent child who loses eligibility under the plan's terms is a qualified beneficiary who may elect COBRA continuation for up to 36 months. The 18-month period applies to an employee's termination or reduction in hours.

   Reference COBRA; CA A&H objectives III.C.6.a

2. What must a California agent do before writing applications for qualified health plans through Covered California?

   • ANothing beyond holding any California insurance license, including property and casualty
   • BPass a separate federal securities exam
   • CBecome a Medi-Cal employee
   • DComplete Covered California's agent agreements and certificationCorrect

   Why: Agents writing applications for QHPs through Covered California must first complete all Covered California agent agreements and certification requirements, in addition to holding the appropriate license.

   Reference CA A&H objectives III.C.5.b

Topics inside this domain

• Covered California and the Affordable Care Act on the exam

Drill other domains

• Basic Insurance Concepts and Contract Law (17.3%)
• The Insurance Marketplace, Licensing and Ethics (9.3%)
• Life Insurance Basics, Underwriting and Claims (7.3%)
• Types of Life Policies and Group Life (8%)
• Annuities (5.3%)
• The Life Insurance Contract and Riders (9.3%)

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