Illinois Health Insurance Practice Exam

According to the Affordable Care Act, can health insurance policies contain impairment riders?

1. No, they are not allowed

2. Yes, with limitations

3. Only for specific age groups

4. At the insurer's discretion

The correct answer is: No, they are not allowed

Under the Affordable Care Act (ACA), health insurance policies are prohibited from including impairment riders. Impairment riders are provisions that can exclude coverage for pre-existing conditions or specific health issues. The ACA was designed to expand access to health insurance and ensure that individuals cannot be denied coverage based on their health status or pre-existing conditions. This fundamental principle of the ACA helps promote fairness and equality in health care access while protecting those who may have experienced health issues prior to obtaining insurance. By disallowing impairment riders, the ACA guarantees that everyone has the opportunity to receive comprehensive health coverage without being penalized due to their medical history.