Certified Application Counselor Practice Test

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Study for the Certified Application Counselor Test. Improve with flashcards and multiple choice questions, with hints and explanations. Get ready for your exam!

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What is a primary objective of the APTC program?

To offer free insurance
To reduce healthcare costs for eligible individuals
To promote wellness activities
To increase plan premiums

The correct answer is: To reduce healthcare costs for eligible individuals

The primary objective of the Advanced Premium Tax Credit (APTC) program is to reduce healthcare costs for eligible individuals. This program is designed to make health insurance more affordable for those who may otherwise struggle to pay for coverage. It achieves this by providing tax credits that lower the monthly premium costs based on a person's income and family size. As a result, individuals and families with lower incomes can access necessary healthcare and insurance coverage without facing financial hardships. This accessibility is crucial for promoting overall public health and ensuring that vulnerable populations can obtain medical care when needed. In contrast, offering free insurance would not accurately reflect the intent of the APTC program, as it involves providing financial assistance rather than completely subsidizing insurance costs. Similarly, promoting wellness activities is not a direct objective of APTC; rather, it is focused on making health insurance attainable. Lastly, increasing plan premiums contrasts with the program's goal, as APTC aims to provide relief from high insurance costs rather than exacerbating them.