Health Insurance Risk Management and
Legal Challenges in the ACA Exam
Questions and Answers with Verified
Solutions | Latest Updated 2026
What is the main strategy for Spread out risks through a risk pool.
managing insurance risk in the
ACA?
What are the two strategies to 1. Hike up rates for high-risk cases;
balance risks in health eliminate highest risk from the pool.
insurance?
2. Balance high-risk cases with more
low-risk cases.
What is experience rating in A strategy that sets higher rates for
health insurance? individuals with a high risk of illness.
What is one way to increase Implementing a Single-Payer System
low-risk individuals in the risk or an Insurance Mandate.
pool?
What does universal coverage No denial of insurance for
under the ACA ensure? pre-existing conditions, no
cancellation due to chronic illness,
no lifetime limits, and no cost hikes
based solely on risk.
What significant change Defunding of risk corridors.
occurred in December 2014
, regarding the ACA?
What was the impact of the CBO estimates indicated 13 million
repeal of the individual fewer insured by 2027 and a 10%
mandate in 2017? increase in premiums for ACA
compliant plans.
What did the proposed Expand short-term limited-duration
regulation in February 2018 policies from a maximum of 3
aim to do? months to 1 year.
What was the Urban Institute Loss of 7.6 million from ACA
study's finding regarding ACA coverage on nongroup plans and an
coverage in 2019? 18.2% increase in premiums in full
impact states.
What legal challenge was filed Texas v United States, seeking to
in February 2018 against the rule ACA unconstitutional or strike
ACA? down guaranteed issuance and
community rating.
What was the DOJ's position Refused to defend the ACA and
under the Trump recommended striking down
administration regarding the guaranteed issuance and
ACA? community rating.
What percentage of the US 27% or approximately 52 million
populace aged 18-64 had a people.
pre-existing condition
according to the KFF study in
2015?
Legal Challenges in the ACA Exam
Questions and Answers with Verified
Solutions | Latest Updated 2026
What is the main strategy for Spread out risks through a risk pool.
managing insurance risk in the
ACA?
What are the two strategies to 1. Hike up rates for high-risk cases;
balance risks in health eliminate highest risk from the pool.
insurance?
2. Balance high-risk cases with more
low-risk cases.
What is experience rating in A strategy that sets higher rates for
health insurance? individuals with a high risk of illness.
What is one way to increase Implementing a Single-Payer System
low-risk individuals in the risk or an Insurance Mandate.
pool?
What does universal coverage No denial of insurance for
under the ACA ensure? pre-existing conditions, no
cancellation due to chronic illness,
no lifetime limits, and no cost hikes
based solely on risk.
What significant change Defunding of risk corridors.
occurred in December 2014
, regarding the ACA?
What was the impact of the CBO estimates indicated 13 million
repeal of the individual fewer insured by 2027 and a 10%
mandate in 2017? increase in premiums for ACA
compliant plans.
What did the proposed Expand short-term limited-duration
regulation in February 2018 policies from a maximum of 3
aim to do? months to 1 year.
What was the Urban Institute Loss of 7.6 million from ACA
study's finding regarding ACA coverage on nongroup plans and an
coverage in 2019? 18.2% increase in premiums in full
impact states.
What legal challenge was filed Texas v United States, seeking to
in February 2018 against the rule ACA unconstitutional or strike
ACA? down guaranteed issuance and
community rating.
What was the DOJ's position Refused to defend the ACA and
under the Trump recommended striking down
administration regarding the guaranteed issuance and
ACA? community rating.
What percentage of the US 27% or approximately 52 million
populace aged 18-64 had a people.
pre-existing condition
according to the KFF study in
2015?
