OPT 323 Affordable Care Act (ACA) Exam
Questions and Answers with Verified
Solutions | Latest Updated 2026
What were some problems 15% of population was uninsured
faced before the ACA? healthcare costs rising rapidly many
insurance plans had limited
coverage (caps, no coverage for
SUD, maternity, mental health, etc)
What were the 3 goals of the increase number of insured improve
ACA? quality of care reduce healthcare
costs
When was the ACA brought in? signed into law in 2010 fully enacted
in 2014
What are 3 of the aspects of more people covered = Medicaid
insurance reform instilled by expansion, insurance exchanges,
the ACA? guaranteed issue, coverage for <
age 26 more benefits and
protections = essential benefits,
preventative services, rate
restrictions, no lifetime limits lower
costs to gov and consumers =
exchange subsidies, medical loss
ratio
What are 3 of the aspects of improve quality and efficiency =
health system reform instilled ACOs, medical homes pilots,
by the ACA? incentive payments stronger
, workforce and infrastructure =
community and school based health
centers, provider payments, etc
greater focus on public
health/prevention = community
grants, public health fund, public
education campaigns, etc
In what ways does the ACA some states expanded Medicaid
increase coverage and reduce coverage to more adults children
costs? can stay on parents insurance until
age 26 individual mandate = must
have health insurance or face a tax
penalty federal subsidies support
purchase of exchange plans
(marketplace plans) for low-income
adults
In what ways does the ACA no denial of coverage for
protect pt's from insurance pre-existing conditions (past
companies? pregnancy, mental illness Hx, etc) =
guaranteed issue 10 essential health
benefits that ACA-compliant plans
must have no annual or lifetime
limits/caps on coverage
What are the 10 essential Ambulatory patient services
health benefits that (outpatient services) Emergency
ACA-compliant plans must services Hospitalization Maternity
have? and newborn care Mental health and
substance use disorder services,
including behavioral health
treatment Prescription drugs
Rehabilitative and habilitative
Questions and Answers with Verified
Solutions | Latest Updated 2026
What were some problems 15% of population was uninsured
faced before the ACA? healthcare costs rising rapidly many
insurance plans had limited
coverage (caps, no coverage for
SUD, maternity, mental health, etc)
What were the 3 goals of the increase number of insured improve
ACA? quality of care reduce healthcare
costs
When was the ACA brought in? signed into law in 2010 fully enacted
in 2014
What are 3 of the aspects of more people covered = Medicaid
insurance reform instilled by expansion, insurance exchanges,
the ACA? guaranteed issue, coverage for <
age 26 more benefits and
protections = essential benefits,
preventative services, rate
restrictions, no lifetime limits lower
costs to gov and consumers =
exchange subsidies, medical loss
ratio
What are 3 of the aspects of improve quality and efficiency =
health system reform instilled ACOs, medical homes pilots,
by the ACA? incentive payments stronger
, workforce and infrastructure =
community and school based health
centers, provider payments, etc
greater focus on public
health/prevention = community
grants, public health fund, public
education campaigns, etc
In what ways does the ACA some states expanded Medicaid
increase coverage and reduce coverage to more adults children
costs? can stay on parents insurance until
age 26 individual mandate = must
have health insurance or face a tax
penalty federal subsidies support
purchase of exchange plans
(marketplace plans) for low-income
adults
In what ways does the ACA no denial of coverage for
protect pt's from insurance pre-existing conditions (past
companies? pregnancy, mental illness Hx, etc) =
guaranteed issue 10 essential health
benefits that ACA-compliant plans
must have no annual or lifetime
limits/caps on coverage
What are the 10 essential Ambulatory patient services
health benefits that (outpatient services) Emergency
ACA-compliant plans must services Hospitalization Maternity
have? and newborn care Mental health and
substance use disorder services,
including behavioral health
treatment Prescription drugs
Rehabilitative and habilitative
