Health Coverage Programs Flashcards
7 cards from real CACS practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Health Coverage Programs flashcards as text
Under the ACA, which cost-sharing reduction (CSR) is only available to consumers who enroll in which metal tier?
Answer: Silver
Cost-sharing reductions are only available on Silver plans; eligible consumers must select a Silver plan to receive CSR benefits.
What income threshold (as a percentage of the Federal Poverty Level) generally marks the upper limit for Medicaid eligibility for adults under the ACA expansion?
Answer: 133% FPL (effectively 138%)
ACA Medicaid expansion covers adults up to 133% FPL, which with a 5% income disregard effectively becomes 138% FPL.
What is COBRA continuation coverage?
Answer: A law allowing people to temporarily keep employer-sponsored health coverage after losing job-based coverage
COBRA (Consolidated Omnibus Budget Reconciliation Act) lets qualifying individuals continue their employer-sponsored group health coverage for a limited period after leaving employment.
Which group is eligible for Medicare Part A premium-free if they have worked and paid Medicare taxes for at least 40 quarters?
Answer: Adults aged 65 and older
Adults 65 and older who or whose spouse paid Medicare taxes for 40 or more quarters qualify for premium-free Medicare Part A.
Which term describes the annual amount a consumer must pay out-of-pocket before the health plan begins sharing costs?
Answer: Deductible
The deductible is the fixed amount a consumer pays for covered services each plan year before the insurance company starts to pay.
Premium tax credits under the ACA are available to individuals and families with incomes between what FPL range?
Answer: 100–400% FPL (or higher under extended provisions)
Premium tax credits are generally available to those with incomes from 100% to 400% FPL, though temporary extensions have raised the upper limit.
Minimum Essential Coverage (MEC) includes which of the following?
Answer: Medicare Part A
Medicare Part A qualifies as Minimum Essential Coverage; vision-only, dental-only, and short-term plans do not meet the MEC standard.