The Affordable Care Act prohibits health insurers from denying coverage to new customers based on what?

The Affordable Care Act prohibits health insurers from denying coverage to new customers based on what?

• A. Denying coverage to those under 18
• B. Pre-existing conditions
• C. Gender identity
• D. Income level

Answer: (B)

The main idea is that health insurance coverage cannot be denied based on a person’s health status or existing health problems. This is the guarantee of issue concept: insurers must offer plans to anyone who applies, and they cannot refuse coverage or charge higher premiums just because you have a pre-existing condition. This change makes it possible for people with ongoing health issues to get insured. The other options don’t capture this protection. Being under 18, gender identity, or income level aren’t the bases the Affordable Care Act uses to deny coverage; the law specifically stops denial based on having a pre-existing condition.

The main idea is that health insurance coverage cannot be denied based on a person’s health status or existing health problems. This is the guarantee of issue concept: insurers must offer plans to anyone who applies, and they cannot refuse coverage or charge higher premiums just because you have a pre-existing condition. This change makes it possible for people with ongoing health issues to get insured.

The other options don’t capture this protection. Being under 18, gender identity, or income level aren’t the bases the Affordable Care Act uses to deny coverage; the law specifically stops denial based on having a pre-existing condition.