ACA: Expanding the Marketplace

A deep dive into the Affordable Care Act and Health Insurance Exchanges

$8.00 + your state filing fee
4 Credit Hours

This course favors L&H insurance agents but is applied as general credit for all agents.

COURSE DIFFICULTY

Basic
This course covers the following topics:
  • Provides students with an overview of federal and state health insurance exchanges that were created by the Affordable Care Act
  • Examine the purpose and functions of a health insurance exchange, the kinds of plans and coverages provided by the exchanges – and the financial assistance available, as well as how individuals and small businesses can go about enrolling in exchange plans.
  • Discuss the impact of exchanges on insurance agents and brokers

Summary

The Patient Protection and Affordable Care Act (PPACA), which is often shortened to the Affordable Care Act (ACA), represents the U.S. health care system’s most significant regulatory overhaul and expansion of coverage since the passage of the Social Security Act Amendments of 1965, which established the Medicare and Medicaid programs. The ACA’s primary objectives were to increase the number of insured Americans, provide stronger consumer rights and protections, and strengthen the Medicaid program. This course is intended to provide students with an overview of federal and state health insurance exchanges that were created by the Affordable Care Act, as well as detailed information on how the exchanges function and operate. By the end of the course, students will have a greater understanding of the purpose and functions of a health insurance exchange, the kinds of plans and coverages provided by the exchanges – and the financial assistance available, as well as how individuals and small businesses can go about enrolling in exchange plans. Lastly, we’ll discuss the impact of exchanges on insurance agents and brokers.

Outline

1. Introduction

  • 1.1 Affordable Care Act Overview
  • 1.2 Purpose of the Course
  • 1.3 ACA Background and Impact
  • 1.4 Major Changes Resulting from the ACA
  • 1.5 Understanding Exchanges
  • 1.6 The Definitions
  • 1.7 The Customers, Coverage and Models
  • 1.8 Summary
  • Affidavit of Personal Responsibility
  • Chapter 1 Quiz

2. The Commercial General Liability Policy: An Introduction

  • 2.1 Functions and Operations Overview
  • 2.2 Qualified Health Plan Certifications
  • 2.3 Enrollment and Eligibility
  • 2.4 Consumer Assistance and Accountability
  • 2.5 Exchange Financing
  • 2.6 SHOPS
  • 2.7 Individual, Employer and Federal Mandates
  • 2.8 Summary
  • Chapter 2 Quiz

3. A Deeper Look at Exchange Coverage Standards

  • 3.1 Coverage Standards Overview
  • 3.2 Essential Health Benefits
  • 3.3 Plan Benefit Levels
  • 3.4 Choosing a Plan Benefit Level
  • 3.5 Other Exchange Plans
  • 3.6 Cost-Sharing Limits
  • 3.7 Underwriting, Community Rating and Premiums
  • 3.8 Summary
  • Chapter 3 Quiz

4. Affordability and Financial Assistance

  • 4.1 Affordability Overview
  • 4.2 Premium Tax Credits
  • 4.3 Cost-Sharing
  • 4.4 Medicaid
  • 4.5 Summary
  • Chapter 4 Quiz

5. A Guide to Shopping on the Exchanges

  • 5.1 Overview
  • 5.2 Enrollment Periods
  • 5.3 SHOP Enrollment Periods
  • 5.4 Summary
  • Chapter 5 Quiz

6. Consumer Assistance

  • 6.1 Overview
  • 6.2 Navigators
  • 6.3 Certified Application Counselors
  • 6.4 In-Person Assistance Personnel
  • 6.5 Insurance Agents and Brokers
  • 6.6 Navigators vs. Brokers
  • 6.7 Assistance Chart
  • 6.8 Value in Shopping the Exchange Through a Licensed Agent
  • 6.9 Summary
  • Chapter 6 Quiz

7. ACA Frequently Asked Questions

  • 7.1 Part 1
  • 7.2 Part 2
  • 7.3 Part 3
  • 7.4 Part 4
  • 7.5 Part 5

Final Exam

  • Final Exam

FAQ

Q: What should I expect from this online course?

A: We use a unique system to help you learn the material easily. Our online courses present you with information in large type that is easy to read. We highlight key items in gray and quiz you after each chapter to make sure you are learning critical information. You may review the material as much as you want before taking your required online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

Q: Can I print my online course materials and test questions?

A: According to the state authority, it is not permissible to print or download any course material or exam questions. However, you are free to access all online courses from our website anytime.

Q: How long does it take to complete an online course?

A: The time required to complete an online course varies from student to student, but it roughly approximates the number of credit hours awarded for the course. You must pass an online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

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