Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under the Affordable Care Act, a Qualified Health Plan (QHP) sold through an exchange must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A Qualified Health Plan must be certified by the exchange and must cover the essential health benefits, which span categories such as ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health, prescription drugs, rehabilitative services, laboratory services, preventive and wellness services, and pediatric services. Meeting EHB requirements is part of what distinguishes a QHP from other products and is tested in the QHP versus MEC versus EHB material under AH-III.C.4. The ten EHB categories define the minimum benefit package a certified plan must deliver.
Why the other options are wrong
- B) QHPs must cover the full set of EHB categories, not just two of them.
- C) Catastrophic-only coverage is a limited plan type for young adults, not a general QHP standard.
- D) QHPs are subject to minimum coverage and EHB standards, not exempt from them.
Memory hook
QHP = exchange-certified and EHB-complete.