State RegulationsTX specificDifficulty 1/5
Under ACA Section 1321, what does the Marketplace make available to individuals and small employers?
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 C is correct
Under ACA Section 1321, the Marketplace is the mechanism through which private issuers offer qualified health plans to individuals and small employers, presented with standardized comparative information so coverage can be compared on a consistent basis. The Marketplace is not an insurer and does not itself underwrite coverage. For a Texas agent, this means the coverage sold through the Marketplace is issued by a state-licensed insurer and remains subject to Texas insurance law.
Why the other options are wrong
- A) A plan limited to a single benefit category is not a qualified health plan. Qualified health plans must cover the essential health benefits.
- B) The federal government operates the platform, not the insurance. There is no federally underwritten plan sold on the Marketplace.
- D) Medicaid and CHIP are administered by the state, not by the Marketplace. The Marketplace may make eligibility determinations, but it does not run those programs.
Memory hook
Marketplace equals private qualified health plans in a standardized shop window.