ACA Exam Questions and Answers with
Verified Solutions | Latest Updated 2026
What is it actually called and • Patient Protection and Affordable
when was it passed? Care Act, signed March 23, 2010
What is the main government healthcare.gov
website about the ACA and
HC?
What were some of the factors The large amount of uninsured, the
that lead to its passage and rising cost of HC Threatened by
what threatened its passage? political opposition, stigma of
socialized healthcare
What main problem was it • Uninsurance-how to get access to
trying to solve? affordable insurance for the
uninsured
Which of uninsured did it • The sick,
target? low-wage/under-employed/part-time
workers, small business owners and
employees, self-employed, young
adults, retirees <65
What is the individual • US citizens and legal aliens
mandate and how do you get required to have insurance •
exempt? Exemptions: financial hardship,
religious, those for whom the lowest
cost option exceeds 8% of an
individual's income, undocumented
, How is the mandate enforced • Those without coverage pay tax
and what is the penalty for not penalty of $695-$2,085 up to 2.5%
having insurance? of taxable income
How does the ACA expand • People can be entitled to
access to insurance for the insurance subsidies-can be eligible
uninsured? for Medicaid, can get premium tax
credits to shop with, and some
people get cost sharing subsidies •
Limits out-of-pocket costs for
everyone up to 400% of FPL to
$5,950
How does the Medicaid • Individuals up to 133% of FPL (only
expansion work? Who if state accepts expansion)
qualifies?
What's an Exchange? How do • An exchange is a health insurance
they work? marketplace set up to facilitate the
purchase of health insurance • The
insurance companies that are
allowed to participate are
predetermined and
regulated-promotes transparency
and accountability, facilitates
enrollment and delivery of subsidies
What are the two mechanisms • People between 144% and 400%
the ACA supports to help of FPL get premium tax credits to
people afford insurance shop with • Individuals up to 250%
purchased through the of FPL get cost-sharing subsidies •
Exchanges? How do people Qualified through income eligibility
qualify for these?
Verified Solutions | Latest Updated 2026
What is it actually called and • Patient Protection and Affordable
when was it passed? Care Act, signed March 23, 2010
What is the main government healthcare.gov
website about the ACA and
HC?
What were some of the factors The large amount of uninsured, the
that lead to its passage and rising cost of HC Threatened by
what threatened its passage? political opposition, stigma of
socialized healthcare
What main problem was it • Uninsurance-how to get access to
trying to solve? affordable insurance for the
uninsured
Which of uninsured did it • The sick,
target? low-wage/under-employed/part-time
workers, small business owners and
employees, self-employed, young
adults, retirees <65
What is the individual • US citizens and legal aliens
mandate and how do you get required to have insurance •
exempt? Exemptions: financial hardship,
religious, those for whom the lowest
cost option exceeds 8% of an
individual's income, undocumented
, How is the mandate enforced • Those without coverage pay tax
and what is the penalty for not penalty of $695-$2,085 up to 2.5%
having insurance? of taxable income
How does the ACA expand • People can be entitled to
access to insurance for the insurance subsidies-can be eligible
uninsured? for Medicaid, can get premium tax
credits to shop with, and some
people get cost sharing subsidies •
Limits out-of-pocket costs for
everyone up to 400% of FPL to
$5,950
How does the Medicaid • Individuals up to 133% of FPL (only
expansion work? Who if state accepts expansion)
qualifies?
What's an Exchange? How do • An exchange is a health insurance
they work? marketplace set up to facilitate the
purchase of health insurance • The
insurance companies that are
allowed to participate are
predetermined and
regulated-promotes transparency
and accountability, facilitates
enrollment and delivery of subsidies
What are the two mechanisms • People between 144% and 400%
the ACA supports to help of FPL get premium tax credits to
people afford insurance shop with • Individuals up to 250%
purchased through the of FPL get cost-sharing subsidies •
Exchanges? How do people Qualified through income eligibility
qualify for these?
