Under the Patient Protection and Affordable Care Act of 2010

question 5

Multiple Choice

Under the Patient Protection and Affordable Care Act of 2010, insurance companies must do all of the following except:

• A) phase out annual and lifetime limits to coverage
• B) no longer limit or deny coverage to patients under 19 with preexisting conditions
• C) phase out arbitrary withdrawals of insurance coverage
• D) remove insurance company barriers to emergency service
• E) cover children up to age 30 on their parents' health insurance policy

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Definitions:

Adverse Selection

A situation in insurance and finance where parties at risk are more likely to participate in a contract, leading to a higher than average risk for the insurer or lender.

High-quality Wheelchairs

Wheelchairs designed with superior materials and technology to provide enhanced comfort, mobility, and durability to users.

Low-quality Wheelchairs

Wheelchairs that do not meet certain standards of comfort, durability, or functionality, often leading to dissatisfaction among users.

Moral Hazard

A situation in economics where one party is willing to take risks because the negative consequences of those risks will be borne by another party.