A primary purpose of the Patient Protection and Affordable Care Act (PPACA) is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
PPACA was enacted to increase the number of insured Americans and improve the affordability, fairness, and quality of the health insurance market. Its core mechanisms include guaranteed issue, prohibitions on preexisting condition exclusions, premium tax credits, the health insurance marketplaces, the essential health benefits package, metal tiers, and consumer safeguards such as medical loss ratio rebates and annual limits restrictions. The law does not dismantle Medicare or state regulation; instead it layers federal minimum standards over state-regulated private markets while preserving Medicare as a federal program. These purposes and mechanisms anchor the PPACA portion of the A&H objectives.
Why the other options are wrong
- B) Medicare remains a federal program administered by the federal government. The ACA expanded private market options and delivery reforms but did not replace Medicare with private coverage.
- C) The ACA sets federal minimum standards but leaves insurance regulation with the states, which continue to license carriers, review rates, and oversee market conduct.
- D) The law neither requires nor encourages self-insurance universally. Employer shared responsibility rules apply to large employers that do not offer affordable coverage; there is no self-insurance mandate.
Memory hook
ACA's mission: more people covered, fairer rules, and consumer protections bolted onto the market.