CACs - Certified Application Counselor Affordable Care Act Basics Questions and Answers

Question 1

A consumer loses their employer-sponsored health coverage. Under the Affordable Care Act, this event typically triggers a:

Accepted Answer

Special Enrollment Period (SEP)

Answer

Marketplace waiting period

Answer

Medicaid eligibility review

Answer

Premium penalty assessment

Question 2

Which of the following is a key role of a Certified Application Counselor (CAC)?

Accepted Answer

Helping consumers understand their eligibility for Marketplace plans, Medicaid, and CHIP.

Answer

Recommending a specific insurance plan to a consumer.

Answer

Determining a consumer's final tax liability for the Premium Tax Credit.

Answer

Selling insurance plans on behalf of private companies.

Question 3

Under the ACA, what is the primary purpose of the Advanced Premium Tax Credit (APTC)?

Accepted Answer

To lower the monthly health insurance premium for eligible individuals and families.

Answer

To cover all out-of-pocket costs like deductibles and copayments.

Answer

To reimburse individuals for medical services already received.

Answer

To provide a tax deduction for those who purchase off-Marketplace plans.

Question 4

A 28-year-old single adult with an annual income of 130% of the Federal Poverty Level (FPL) lives in a state that has expanded Medicaid. Which program are they most likely eligible for?

Accepted Answer

Medicaid

Answer

A subsidized Marketplace plan only

Answer

Medicare

Answer

A catastrophic health plan

Question 5

Which of the following is a fundamental requirement for an individual to be eligible to enroll in a Qualified Health Plan through the Health Insurance Marketplace?

Accepted Answer

They must not be incarcerated.

Answer

They must be employed full-time.

Answer

They must have a pre-existing medical condition.

Answer

They must be eligible for Medicare Part A.

Question 6

Under the Affordable Care Act, most health plans must cover certain preventive services at no cost to the consumer. This means:

Accepted Answer

The consumer does not have to pay a copayment, coinsurance, or deductible for these services when received from an in-network provider.

Answer

The services are free regardless of whether the provider is in-network or out-of-network.

Answer

All medical services, including emergency care, are covered without cost-sharing.

Answer

Only high-deductible health plans are required to offer free preventive care.