A&H Policy ProvisionsQuestion 44 of 716
Which statement about pre-existing-condition exclusions is correct under current federal and California rules?
a.Pre-existing-condition exclusions have been eliminated for every type of A&H product, including long-term care, disability income, and hospital indemnity
b.Major medical plans may no longer use pre-existing-condition exclusions, but long-term care, disability income, and supplemental products still may
c.Only group health plans may still exclude pre-existing conditions, while individual plans are barred from doing so under both federal and California law
d.All individual and group A&H products may exclude pre-existing conditions for the first two years the policy is in force, no matter which product is involved
Explanation
The Affordable Care Act eliminated pre-existing-condition exclusions on major medical plans (both individual and group). Limited-benefit products outside the major medical market, such as long-term care, individual disability income, and supplemental policies, may still impose them.
Law Reference: ACA §1201This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)