Certified Application Counselor Practice Test

Which of the following is NOT a way to meet Minimum Essential Coverage (MEC)?

1. Enrolling in a QHP

2. Having a health plan through a spouse's employer

3. Being covered by TRICARE

4. Negotiating lower rates with providers

The correct answer is: Negotiating lower rates with providers

Meeting Minimum Essential Coverage (MEC) is a critical aspect of health insurance requirements under the Affordable Care Act (ACA). The correct choice, which indicates a method that does not satisfy the MEC requirement, is accurately identified. Enrolling in a Qualified Health Plan (QHP), having a health plan through a spouse's employer, and being covered by TRICARE are all recognized ways to meet MEC. A QHP is a health insurance plan that has been certified by the Marketplace and meets specific criteria set forth by the ACA, ensuring comprehensive coverage essential for meeting the requirements. Having a health plan through a spouse's employer also qualifies as it falls under group health plans, which are typically designed to provide robust coverage that aligns with MEC standards. TRICARE, which is a healthcare program serving Uniformed Service members, retirees, and their families, is another valid option for meeting the MEC due to its comprehensive benefits. Negotiating lower rates with providers does not constitute a form of insurance coverage and therefore does not meet the criteria for MEC. This option refers to an action taken to reduce the costs of healthcare services rather than a means of obtaining health insurance that provides necessary coverage under the law. Therefore, it is the correct answer in the context of ways to meet