State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC Section 10270.2(e), a blanket health policy may NOT be:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10270.2(e) expressly provides that certain blanket policies may not be marketed or sold as a substitute for health insurance that complies with the federal Affordable Care Act. Because blanket policies typically offer limited benefits for specific hazards, regulators want to prevent consumers from believing they have purchased comprehensive, ACA-compliant coverage. Presenting a blanket policy as a replacement for major medical coverage is therefore improper.
Why the other options are wrong
- B) Schools and colleges are expressly permitted policyholders for student blanket coverage under Section 10270.2(a)(2).
- C) Sports teams, camps, and their sponsors are permitted policyholders for blanket accident and health benefits under Section 10270.2(a)(3).
- D) Blanket policies must be approved by the commissioner as to substance and form before issuance.
Memory hook
Blanket policies cannot masquerade as ACA-compliant health coverage — a limited benefit is not major medical.