CACs Special Enrollment Periods and Life Events 2

Question 1

Which qualifying life event allows a consumer to enroll in a Marketplace plan even if they previously had coverage?

Accepted Answer

Loss of minimum essential coverage

Answer

Voluntary disenrollment from a prior plan

Answer

Starting a new job without benefits

Answer

Enrolling in a gym membership

Question 2

A couple gets divorced and one spouse loses coverage. When does their SEP begin?

Accepted Answer

On the date the divorce is finalized and coverage is lost

Answer

On the date the divorce is filed

Answer

60 days before the divorce

Answer

There is no SEP for divorce

Question 3

Which government program losing eligibility can trigger a SEP for Marketplace coverage?

Accepted Answer

Medicaid or CHIP

Answer

Medicare Part A

Answer

SNAP food assistance

Answer

Social Security Disability Insurance

Question 4

What documentation might a CAC help a consumer gather to verify a qualifying life event for a SEP?

Accepted Answer

A letter showing loss of prior coverage or a birth certificate

Answer

A signed affidavit from a neighbor

Answer

A social media post confirming the event

Answer

No documentation is ever required

Question 5

A consumer's employer stops offering health insurance. How soon should the consumer contact a CAC to use their SEP?

Accepted Answer

As soon as possible within the 60-day window

Answer

Within the first week only

Answer

After the 60-day window closes

Answer

Only during Open Enrollment

Question 6

Which of the following best describes the role of a CAC when a consumer experiences a qualifying life event?

Accepted Answer

Help the consumer understand their SEP eligibility and assist with enrollment

Answer

File a complaint with CMS on the consumer's behalf

Answer

Automatically enroll the consumer in the lowest-cost plan

Answer

Notify the IRS of the consumer's change in status