{"podcast":{"title":"Insurance Exam Prep","slug":"insurance-exam-prep-7644557","podcast_index_feed_id":7644557,"rss_url":"https://feeds.captivate.fm/insurance-exam-prep/","website_url":"https://open-exam-prep.com/","image_url":"https://artwork.captivate.fm/50cd425f-ffca-47b8-ad44-91c46cf94dc0/20260105-1554-Insurance-Exam-Prep-Logo-simple-compose-01ke89b3v.png","author":"Ran Chen, EA, CFP®","episode_count":154,"summary":"Insurance Exam Prep is a daily podcast designed to help future insurance professionals pass their licensing exams with clarity and confidence. Built and operated by OpenExamPrep, this podcast breaks down insurance licensing exams into focused, easy-to-digest episodes covering Life Insurance, Health Insurance, and Property & Casualty, across both the national portion and state-specific requirements. Each episode targets one key concept, common exam trap, or high-frequency test topic—making it ideal for studying during commutes, workouts, or short study sessions. Created by Ran Chen, EA, CFP®, a financial professional and exam specialist who has personally passed multiple professional licensing exams, Insurance Exam Prep was developed from firsthand experience with how complex—and often poorly taught—insurance exam material can be. The goal is simple: make insurance exam preparation clearer, more accessible, and more effective through structured explanations and modern learning tools. Whether you’re preparing for a Life, Health, or P&C exam, just starting your licensing journey, or reviewing before test day, this podcast is designed to guide you step by step—one concept at a time. F…","last_synced_at":"2026-06-15T06:18:57.235707+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557"},"episode":{"title":"[Health Insurance] 52, ACA Consumer Protections and No Surprises Act","slug":"health-insurance-52-aca-consumer-protections-and-no-surprises-act","published_at":"2026-05-18T23:26:01+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-52-aca-consumer-protections-and-no-surprises-act","show_page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557","url":"https://open-exam-prep.com/","audio_url":"https://episodes.captivate.fm/episode/47e26edc-1d78-4dc3-b5fe-294b9456e57b.mp3","summary":"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","meta_description":"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 passionat…","key_points":[],"chapters":[],"topics":[],"duration_seconds":179,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-52-aca-consumer-protections-and-no-surprises-act/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-52-aca-consumer-protections-and-no-surprises-act.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}