CEC - Certified Enrollment Counselor ACA & Marketplace Fundamentals Questions and Answers

Question 1

A consumer loses their employer-sponsored health coverage on June 15th.
Under ACA rules, what is the latest date they can typically enroll in a new Marketplace plan through a Special Enrollment Period (SEP)?

Accepted Answer

August 14th

Answer

June 30th

Answer

July 15th

Answer

December 15th

Question 2

Which of the following is a primary responsibility of a Certified Enrollment Counselor (CEC)?

Accepted Answer

Providing fair, accurate, and impartial information about health coverage options.

Answer

Recommending a specific Qualified Health Plan (QHP) to the consumer.

Answer

Determining the consumer's final eligibility for Medicaid.

Answer

Paying the consumer's first month's premium to ensure enrollment.

Question 3

A family of three has a Modified Adjusted Gross Income (MAGI) that is 225% of the Federal Poverty Level (FPL). To receive the maximum available financial assistance for out-of-pocket costs, which type of Marketplace plan must they enroll in?

Accepted Answer

Silver

Answer

Bronze

Answer

Gold

Answer

Platinum

Question 4

To be eligible to enroll in health coverage through the Health Insurance Marketplace, an individual must meet several requirements. Which of the following is NOT a standard eligibility requirement?

Accepted Answer

Be employed at least part-time.

Answer

Be a U.S. citizen or lawfully present immigrant.

Answer

Live in the service area of the Marketplace.

Answer

Not be incarcerated.

Question 5

A 28-year-old consumer is looking for a health plan with the lowest possible monthly premium, and they do not expect to need frequent medical services. Which metal level plan would most likely meet their primary objective?

Accepted Answer

Bronze

Answer

Platinum

Answer

Gold

Answer

Silver

Question 6

A consumer is assisting their 66-year-old parent who is enrolled in Medicare Part A and Part B. The parent wants to also enroll in a Marketplace plan for additional benefits. How should the Certified Enrollment Counselor advise them?

Accepted Answer

It is illegal for someone to sell a Marketplace policy to a person with Medicare coverage.

Answer

They can enroll in a Marketplace plan and disenroll from Medicare.

Answer

They can enroll in a Marketplace dental plan, but not a health plan.

Answer

They should enroll in a Bronze plan to supplement their Medicare.