Covered California Certified Enroller Practice Exam

Each year, what two things does Covered California negotiate with health insurance companies?

1. Premiums and Deductibles

2. Choice of plans and Rates

3. Benefits and Coverage areas

4. Coinsurance and Network Providers

The correct answer is: Choice of plans and Rates

Covered California engages in negotiations with health insurance companies primarily focusing on the choice of plans and rates. This is critical because it ensures that consumers have access to a variety of health plans that meet their needs while also keeping costs in check. The choice of plans allows Covered California to maintain a competitive marketplace, offering diverse options that cater to different healthcare needs and preferences. These plans can vary in terms of coverage, network providers, and other plan specifics. Negotiating rates is equally essential as it determines the premium costs that consumers must pay for their coverage. By negotiating directly with insurers, Covered California aims to provide affordable health insurance options for individuals and families, aligning with its goal of expanding access to health coverage. While other options present important aspects of health insurance, they do not accurately reflect the specific focus of Covered California's negotiations. For instance, premiums and deductibles are influenced by the rates agreed upon but are not direct negotiation points. Benefits and coverage areas, as well as coinsurance and network providers, are crucial elements in health plans, yet the primary focus of the negotiation process lies in the plan choices and the rates established with insurers.