The Ultimate Quiz On ACA Health Test
Getting to know what is wrong with you is very necessary and very important. Where you go to find out what is wrong with you is also necessary therefore let's see what you know about ACA by taking this quiz.
- 1.
Which of the following is true about Medical Care Flexible Spending Account contributions in 2013?
- A.
Contributions are limited to $2,500 per employee.
- B.
Contributions are limited to $2,500 per family.
- C.
Contributions are limited to $5,000 per family
- D.
The Affordable Care Act does not effect FSA contributions.
Correct Answer
A. Contributions are limited to $2,500 per employee.Explanation
In 2013, the Medical Care Flexible Spending Account contributions were limited to $2,500 per employee.Rate this question:
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- 2.
Under which of the following principles did the United States Supreme Court support the constitutionality of the Affordable Care Act?
- A.
Congress' authority to mandate the purchase of health insurance
- B.
The Commerce Clause
- C.
The First Amendment
- D.
Congress' authority to levy taxes
Correct Answer
D. Congress' authority to levy taxesExplanation
The United States Supreme Court supported the constitutionality of the Affordable Care Act under Congress' authority to levy taxes. This means that the Court determined that the individual mandate requiring individuals to purchase health insurance was constitutional because it could be considered a tax. The Court's decision was based on the understanding that Congress has the power to impose taxes and that the individual mandate could be seen as a tax rather than a direct mandate.Rate this question:
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- 3.
The Matis family consists of Kyle, Mary, and their children, 22 year old Amy and 25 year old Chris. If they buy health insurance for all four members of the family from a state health insurance exchange, how many family members are counted toward their premium subsidy?
- A.
None, a four person family will not qualify for a premium subsidy
- B.
All four
- C.
Three
- D.
It depends on how many are claimed for personal exemption on the family's tax return.
Correct Answer
D. It depends on how many are claimed for personal exemption on the family's tax return.Explanation
The number of family members counted toward the premium subsidy depends on how many are claimed for personal exemption on the family's tax return. This means that if all four family members are claimed for personal exemption on the tax return, then all four will be counted toward the premium subsidy. However, if only three family members are claimed for personal exemption, then only three will be counted toward the premium subsidy. The eligibility for the premium subsidy is determined by the family's tax return.Rate this question:
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- 4.
The Affordable Care Act expands preventive care coverage for everyone. Who decides what services will be considered as preventive care?
- A.
Each individual
- B.
Your doctor
- C.
Preventive services are specifically defined in the Affordable Care Act
- D.
The US Preventive Services Task Force
Correct Answer
D. The US Preventive Services Task ForceExplanation
The US Preventive Services Task Force is responsible for deciding what services will be considered as preventive care under the Affordable Care Act. They evaluate scientific evidence to make recommendations on various preventive services such as screenings, counseling, and vaccinations. These recommendations help guide healthcare providers and insurance companies in determining which services should be covered as preventive care for individuals.Rate this question:
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- 5.
Sarah and Dean just welcomed their first child, Jessica. Sarah is a covered dependent under her parents' health insurance policy. Dean is a covered dependent on his parents' policy. Based on the Affordable Care Act, under whose insurance policy will Jessica be covered?
- A.
Jessica will be covered under Sarah's parents' policy. Under new ACA rules, a newborn is assigned to the mother's insurance plan.
- B.
Sarah and Dean can decide which of their parents' policies will cover Jessica.
- C.
If only one of the plans carried by the parents is offered by an employer that plan will apply for Jessica. Under new ACA rules, employer provided insurance applies before individual insurance.
- D.
A new insurance policy must be purchased under which Jessica would be covered.
Correct Answer
D. A new insurance policy must be purchased under which Jessica would be covered. -
- 6.
The ACA places a maximum limit on health insurance deductibles of $2000 per individual or $4000 per family for which of the following?
- A.
Small employers
- B.
Individual and family policies (not employer provided)
- C.
Businesses with more than 100 employees
- D.
Individuals and families
- E.
Individuals and small employers
Correct Answer
A. Small employersExplanation
The ACA places a maximum limit on health insurance deductibles of $2000 per individual or $4000 per family for small employers. This means that small employers are restricted in terms of the amount they can charge their employees for deductibles under the ACA regulations. This limit helps to ensure that individuals and families who work for small employers are not burdened with excessively high deductibles that may make healthcare unaffordable for them.Rate this question:
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- 7.
The ACA prohibits the use of pre-existing conditions exclusions for certain individuals until 2014. What group is still subject to pre-existing exclusions until 2014?
- A.
Adults purchasing individual health insurance
- B.
Children between ages 21 and 26
- C.
No one. Everyone is already protected from pre-existing conditions exclusions.
- D.
Senior citizens
Correct Answer
A. Adults purchasing individual health insuranceExplanation
The ACA prohibits the use of pre-existing condition exclusions for certain individuals until 2014. This means that there are still individuals who are subject to pre-existing condition exclusions until that year. The group that is still subject to these exclusions until 2014 is adults purchasing individual health insurance. This means that if an adult is buying health insurance on their own, they may still be denied coverage or charged higher premiums based on their pre-existing conditions until 2014.Rate this question:
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- 8.
The ACA changes the way health and insurance prices are determined. Which of the following may not be used to price health insurance beginning 2014?
- A.
Tobacco use
- B.
Medical conditions
- C.
Where you live
- D.
Age
Correct Answer
B. Medical conditionsExplanation
Beginning in 2014, the ACA (Affordable Care Act) implemented changes in the way health and insurance prices are determined. One of these changes is that medical conditions may not be used to price health insurance. This means that insurers cannot charge higher premiums or deny coverage based on an individual's medical conditions. This change was made to ensure that individuals with pre-existing conditions are not discriminated against and can have access to affordable health insurance.Rate this question:
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- 9.
According to the nonpartisan Congressional Budget Office, approximately how much will the federal government collect in new taxes created by the ACA from 2013-2016
- A.
$166 billion
- B.
$8 billion
- C.
$675 billion
- D.
$1.7 trillion
Correct Answer
A. $166 billionExplanation
The correct answer is $166 billion. This amount represents the estimated new taxes that the federal government will collect from 2013 to 2016 as a result of the Affordable Care Act (ACA). The nonpartisan Congressional Budget Office has conducted an analysis and determined that this is the approximate figure for the tax revenue generated by the ACA during that time period.Rate this question:
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- 10.
The ACA offers refundable tax credits to help offset the cost of health insurance for people who buy through an approved health insurance exchange. Subsidies are available for people who earn how much each year?
- A.
Between 100% and 400% of the federal poverty level
- B.
Between 138% and 400% of the federal poverty level
- C.
Between 50% and 500% of the federal poverty level
- D.
Between 100% and 350% of the federal poverty level
Correct Answer
A. Between 100% and 400% of the federal poverty levelExplanation
The ACA offers refundable tax credits to help offset the cost of health insurance for people who buy through an approved health insurance exchange. These subsidies are available for individuals who earn between 100% and 400% of the federal poverty level each year. This means that individuals with incomes within this range are eligible for financial assistance in purchasing health insurance through the ACA.Rate this question:
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