Covered California Certified Enroller Practice Exam

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Prepare for the Covered California Certified Enroller Test with our quiz. Study with flashcards and multiple choice questions, each with hints and explanations. Ensure you're ready for your exam!

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Who is eligible for a catastrophic plan?

People over 30 only
Anyone regardless of age
Individuals under 30 and some over 30 with hardship exemption
Low-income individuals only

The correct answer is: Individuals under 30 and some over 30 with hardship exemption

A catastrophic plan is designed primarily to provide coverage for worst-case scenarios, such as serious accidents or illnesses. It features lower premiums and higher deductibles compared to other plans. Eligibility for catastrophic plans is specifically tailored to younger individuals and those with certain exemptions. Individuals under the age of 30 are automatically eligible for catastrophic plans because they generally face lower health care costs and the plans offer a safety net for unexpected health issues. Additionally, some people over the age of 30 may also qualify if they have a hardship exemption, which could stem from various circumstances that affect their ability to afford comprehensive coverage. This structure ensures that those who may not be able to afford traditional plans still have access to essential health care coverage. Overall, catastrophic plans serve as a bridge for both younger adults and those facing significant financial barriers, making option C the correct answer.