Covered California Certified Enroller Practice Exam

True or False: Consumers with income at or below 150% of the Federal Poverty Level are qualified to enroll or change plans only during specific periods.

1. True

2. False

3. True, but with exceptions

4. False, unless they apply as a family

The correct answer is: False

The statement is false because consumers with income at or below 150% of the Federal Poverty Level are eligible for special enrollment periods that allow them to enroll in or change their health insurance plans at various times, not just during specific open enrollment periods. This expansion of eligibility is designed to provide greater access to health coverage for low-income individuals, allowing them the flexibility to obtain necessary health care coverage when their circumstances change, rather than being restricted to traditional open enrollment windows. While some lower-income consumers may also qualify for programs that provide automatic enrollment or continuous coverage options, this does not apply strictly as a limitation to specific periods. Thus, they have more opportunities to enroll or change plans throughout the year, ensuring that their coverage needs are met.