Arizona Health Insurance Practice Exam 2026 – Complete Test Prep

The correct answer is that a grandfathered plan under the Affordable Care Act (ACA) allows insurers to deny health coverage due to pre-existing conditions. Grandfathered plans refer to those health insurance plans that were in existence on March 23, 2010, when the ACA was enacted. These plans are not required to meet all the provisions of the ACA, which include prohibitions against denying coverage based on pre-existing conditions. Thus, a grandfathered plan can maintain its original rules, which may include the ability to exclude or deny coverage for pre-existing conditions.

In contrast, short-term plans, high-risk plans, and comprehensive plans are all subject to ACA regulations regarding pre-existing conditions. Short-term plans are designed to offer temporary coverage without the protections afforded by the ACA. High-risk pools are specifically created to provide insurance to individuals with high medical costs often due to pre-existing conditions. Comprehensive plans are required under the ACA to cover a wide range of services and cannot deny coverage or charge higher premiums based on health status.