Comprehensive Guide to ACA: Goals, Plans, and
Impact on US Healthcare Exam | Questions with
100% Correct Answers | Verified | Latest Update
2026
Save
Terms in this set (39)
What does ACA stand for and when Affordable Care Act. Signed 2010, went into effect
was it signed and effective? 2014.
What are the two stated goals of the Universal coverage for insurance and control costs.
ACA?
What are the three legs of the ACA (1) Subsidize insurance, (2) Stop denying coverage,
'three-legged stool'? (3) Mandate insurance coverage.
Why must all three legs of the three- Subsidies + no denial without mandate leads to
legged stool stand together? healthy people skipping insurance, causing
premiums to spiral up. All three are needed to
break adverse selection.
What is the ACA individual mandate? Every American must have qualifying insurance or
pay a tax penalty.
What was the individual mandate The maximum of $695 per person OR 2.5% of
penalty formula? household income.
, What did Trump change about the Reduced the penalty to $0 starting 2019. The
individual mandate? mandate still exists in law but has no financial bite.
Until what age can children stay on Until age 26.
their parents' insurance plan under
ACA?
What income threshold did ACA set Up to 138% of the Federal Poverty Line (FPL).
for Medicaid expansion eligibility?
What share of newly eligible 90%.
Medicaid enrollees does the federal
government pay under ACA
expansion?
As of March 2026, how many states 41 states (plus DC).
(including DC) have expanded
Medicaid under ACA?
Who are ACA Marketplace People without employer-provided insurance AND
(exchange) plans intended for? with income between 138% and 400% of FPL.
Name the four metal tiers of ACA Bronze, Silver, Gold, Platinum.
exchange plans.
What actuarial value (AV) does a Approximately 60% of healthcare expenditures.
Bronze plan cover?
What actuarial value (AV) does a Approximately 70% of healthcare expenditures.
Silver plan cover?
What actuarial value (AV) does a Approximately 80% of healthcare expenditures.
Gold plan cover?
Impact on US Healthcare Exam | Questions with
100% Correct Answers | Verified | Latest Update
2026
Save
Terms in this set (39)
What does ACA stand for and when Affordable Care Act. Signed 2010, went into effect
was it signed and effective? 2014.
What are the two stated goals of the Universal coverage for insurance and control costs.
ACA?
What are the three legs of the ACA (1) Subsidize insurance, (2) Stop denying coverage,
'three-legged stool'? (3) Mandate insurance coverage.
Why must all three legs of the three- Subsidies + no denial without mandate leads to
legged stool stand together? healthy people skipping insurance, causing
premiums to spiral up. All three are needed to
break adverse selection.
What is the ACA individual mandate? Every American must have qualifying insurance or
pay a tax penalty.
What was the individual mandate The maximum of $695 per person OR 2.5% of
penalty formula? household income.
, What did Trump change about the Reduced the penalty to $0 starting 2019. The
individual mandate? mandate still exists in law but has no financial bite.
Until what age can children stay on Until age 26.
their parents' insurance plan under
ACA?
What income threshold did ACA set Up to 138% of the Federal Poverty Line (FPL).
for Medicaid expansion eligibility?
What share of newly eligible 90%.
Medicaid enrollees does the federal
government pay under ACA
expansion?
As of March 2026, how many states 41 states (plus DC).
(including DC) have expanded
Medicaid under ACA?
Who are ACA Marketplace People without employer-provided insurance AND
(exchange) plans intended for? with income between 138% and 400% of FPL.
Name the four metal tiers of ACA Bronze, Silver, Gold, Platinum.
exchange plans.
What actuarial value (AV) does a Approximately 60% of healthcare expenditures.
Bronze plan cover?
What actuarial value (AV) does a Approximately 70% of healthcare expenditures.
Silver plan cover?
What actuarial value (AV) does a Approximately 80% of healthcare expenditures.
Gold plan cover?
