Georgia Navigator Practice Exam

How will an applicant's COBRA benefits be directly affected by the ACA?

1. They remain unchanged under ACA

2. They are enhanced for all applicants

3. Most rules relating to pre-existing conditions were changed

4. They are eliminated for all new enrollees

The correct answer is: Most rules relating to pre-existing conditions were changed

The correct choice emphasizes the significant changes brought by the Affordable Care Act (ACA) regarding pre-existing conditions. Prior to the ACA, individuals with pre-existing health conditions could face exclusions or higher premiums when applying for health insurance, including COBRA benefits. The ACA established protections that prevent insurers from denying coverage or charging higher rates due to pre-existing conditions. As a result, an applicant's ability to obtain COBRA benefits is now influenced by these protections, ensuring fairer access to coverage regardless of their health status. This shift is important for individuals who rely on COBRA to maintain their health insurance after leaving their jobs. The other options do not accurately capture the impact of the ACA on COBRA benefits. Saying that benefits remain unchanged overlooks the significant reform regarding coverage for pre-existing conditions. Claiming that benefits are enhanced for all applicants suggests a general improvement that isn't specifically applicable to COBRA. Lastly, stating that COBRA benefits are eliminated for all new enrollees misrepresents the ongoing availability of COBRA coverage, as the ACA primarily modifies existing provisions rather than abolishing them outright.