North Dakota Health Insurance Practice Test

The Affordable Care Act (ACA) was designed to enhance healthcare coverage and protect consumers. One of the key reforms of the ACA was to eliminate lifetime dollar limits on essential health benefits. This means that insurance companies can no longer impose a cap on the amount they will pay for necessary medical services over a person's lifetime.

The ACA also mandated that preventative services be covered at no cost to the insured, encouraging individuals to receive necessary screenings and vaccinations without the burden of out-of-pocket expenses. Additionally, one crucial provision was the extension of dependent coverage, allowing young adults to remain on their parents' health insurance plan until the age of 26, which has significantly improved access to healthcare for younger populations.

In contrast, the cancellation of policies for minor infractions is not a reform introduced by the ACA. The law actually included provisions to safeguard consumers from unjust policy cancelations. Thus, the mention of cancellations for minor infractions reflects practices that the ACA aimed to reform against, making it the answer that does not belong as a reform of the ACA.