Insurance Exam Prep

Ran Chen, EA, CFP®

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[Health Insurance] 52, ACA Consumer Protections and No Surprises Act

5/18/2026 • 2 min

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That the ACA's guaranteed issue and renewability rules prohibit insurers from denying coverage based on health status. - Why health plans can no longer impose lifetime or annual dollar limits on essential health benefits. - How the Medical Loss Ratio (MLR) requires insurers to spend at least 80% (individual/small group) or 85% (large group) of premiums on healthcare, or else issue rebates. - How the No Surprises Act protects consumers from unexpected bills for emergency care and from out-of-network providers at in-network facilities. - The critical exception to the No Surprises Act that is often tested: it does not apply to ground ambulance services. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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