The Patient Protection and Affordable Care Act had as a goal enhanced access to health insurance. Which of the following mechanisms were used? Select all that apply.

A. Insurance companies can no longer deny health insurance to people with pre–existing health conditions.

B. Young adults can remain on their parent’s health insurance plan, as long as they are unmarried and dependent on their parent’s income tax.

C. Insurance companies cannot enforce lifetime caps on reimbursement.

D. Gender cannot be used as a rating factor.