Covered California Certified Enroller Practice Exam

If a consumer turned 26 years old, what does this event signify?

1. A loss of coverage from a parent's plan

2. A trigger for a Special Enrollment Period

3. Eligibility for a new plan

4. All of the above

The correct answer is: All of the above

Turning 26 years old is a significant milestone in the context of health insurance, particularly for young adults covered under their parents' health plans. When a consumer reaches this age, they typically lose their eligibility to remain on their parent's insurance policy due to provisions in the Affordable Care Act. This is the loss of coverage from a parent's plan. This event also triggers a Special Enrollment Period, which allows individuals who have experienced certain life events, like turning 26, to enroll in a health insurance plan outside of the standard enrollment periods. This ensures that they have access to health coverage without having to wait for the next Open Enrollment Period. Furthermore, turning 26 creates eligibility for the consumer to seek out and enroll in their own health plan. They can choose from various insurance options available through Covered California or other insurance markets, including employer-sponsored plans, Medi-Cal, or individual market plans. Consequently, this situation encompasses all aspects outlined in the choices provided, which is why the answer encapsulating all of these elements is correct.