Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A primary purpose of the federal 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 D is correct
The PPACA was enacted to expand access to affordable health coverage, reduce the number of uninsured Americans, and strengthen consumer protections in the health insurance market. Its mechanisms include guaranteed issue, prohibitions on pre-existing condition exclusions, essential health benefits, premium tax credits, and cost-sharing reductions. It preserves a private insurance market with government oversight and subsidies rather than replacing private insurance with a single government-run system.
Why the other options are wrong
- A) The ACA keeps private insurers in the market and adds regulation and subsidies; it does not create a single-payer government system.
- B) Premiums still exist under the ACA; the law makes coverage more affordable through subsidies rather than eliminating premiums.
- C) The ACA covers the individual market and the exchanges as well as employer plans; it does not limit coverage to employer-sponsored plans.
Memory hook
PPACA = more people covered, fairer rules, private market kept. Not single payer, not free care, not employer-only.