Under the Patient Protection and Affordable Care Act, which provision is true?

• A. It guarantees all US citizens access to health insurance
• B. It allows children to stay on a parent's insurance plan until age 26
• C. It requires every child to have independent insurance
• D. It prohibits choosing an in-network physician

Answer: (B)

The provision being tested is the dependent coverage extension. The Affordable Care Act allows young adults to stay on a parent’s health insurance plan until their 26th birthday. This change was meant to help cover people who are transitioning from school to work and might otherwise lose insurance, by keeping them on a family plan for longer. It generally applies to most private plans, including employer-sponsored and marketplace plans, so the young adult can remain a dependent up to age 26.

This doesn’t guarantee coverage for every US citizen, nor does it require each child to have their own independent policy. It also doesn’t ban choosing an in-network physician; plan networks and coverage rules govern which doctors are in-network, not the broad prohibition of selecting one.