1. Which of the following were features of the Affordable Care Act as originally passed (circle all that apply, there may be more than one correct answer)?
   1. Individuals who did not carry health insurance were subject to tax penalties
   2. Lifetime dollar limits on benefits were prohibited
   3. Insurers must accept all applicants for individual health policies sold through insurance exchanges
   4. Rating factors for individuals were limited to certain factors such as age, tobacco use, and geographic location