Assume x={a}.
(a) $\bigcup${x} = x for all x.
1. Doesn't this mean {{a}}$\bigcup${{a}}$\bigcup${{a}} . . . $\bigcup${{a}} which would equal {a}?
(b) {$\bigcup$x} = x iff x is a singleton.
2. Wouldn't that expand to {{a}$\bigcup${a}$\bigcup${a} . . . $\bigcup${a}} which would end up being {{a}} which is not equal to {a}=x?
3. How and why is (b) true?
Thank you for your time and help!
Your assumption that $x = \{a \}$ is irrelevant and actually harmful here. For any set $x$ we have that $\bigcup \{ x \} = x$.
Why? $\bigcup \{x \} = \{ z \mid \exists y \in \{x \} \colon z \in y \} = \{ z \mid z \in x \} = x$ (the last equality follows by extensionality).
Now, if $x$ is a singleton, i.e. $x = \{a \}$, then, by what we've shown above, $\{ \bigcup x \} = \{ \bigcup \{a \} \}= \{a \} = x$.
I'll leave it to you to show the converse. (If $x$ contains two distinct elements, then $\{ \bigcup x \} \neq x$.