Which statement about a Qualified Health Plan (QHP) is accurate?

Which statement about a Qualified Health Plan (QHP) is accurate?

• A. It is not allowed to receive subsidies
• B. It is a plan outside the Marketplace with no protections
• C. It must provide essential health benefits and protections and be eligible to receive subsidies
• D. It cannot be canceled after enrollment

Answer: (C)

A Qualified Health Plan is a plan sold through the Marketplace that must provide essential health benefits, offer consumer protections, and be eligible to receive subsidies. This means the plan covers a broad range of necessary services (hospital care, prescription drugs, preventive services, etc.) and follows protections like guaranteed issue and renewability, which help ensure people can get and keep coverage regardless of health status. Because only Marketplace-certified plans qualify for subsidies, statements claiming subsidies aren’t allowed or that the plan is outside the Marketplace aren’t correct. It’s also true that, while QHPs come with protections, they can be canceled under certain circumstances (for example, nonpayment or fraud or if the issuer stops offering the plan), so the idea that a QHP cannot be canceled after enrollment isn’t accurate.

A Qualified Health Plan is a plan sold through the Marketplace that must provide essential health benefits, offer consumer protections, and be eligible to receive subsidies. This means the plan covers a broad range of necessary services (hospital care, prescription drugs, preventive services, etc.) and follows protections like guaranteed issue and renewability, which help ensure people can get and keep coverage regardless of health status. Because only Marketplace-certified plans qualify for subsidies, statements claiming subsidies aren’t allowed or that the plan is outside the Marketplace aren’t correct. It’s also true that, while QHPs come with protections, they can be canceled under certain circumstances (for example, nonpayment or fraud or if the issuer stops offering the plan), so the idea that a QHP cannot be canceled after enrollment isn’t accurate.