State RegulationsVA specificDifficulty 2/5
A Virginia parent with uninsured children seeks help. The family's income is above the Medicaid limits, and neither parent is offered employer-sponsored health coverage. Which state program most likely fits the children?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Va. Code § 32.1-351 creates FAMIS for exactly this situation: uninsured children whose family income exceeds the Medicaid thresholds and who have no other health coverage available. FAMIS is Virginia's statutory answer to the coverage gap facing working families, so the children's route to health coverage runs through that program. The other choices address unrelated risks — retiree health supplements, automobile liability, or insurer insolvency — none of which provides children's health coverage under Virginia law.
Why the other options are wrong
- A) Medicare supplement coverage attaches to Medicare enrollment by beneficiaries, not to uninsured children above the Medicaid limits.
- B) The assigned-risk automobile plan handles drivers unable to buy car insurance; it has nothing to do with children's health coverage.
- D) The guaranty association protects policyholders against insurer insolvency under the Virginia Insurance Code; it does not enroll children in health coverage.
Memory hook
Uninsured kids above the Medicaid line? FAMIS is the fit.