CACs Serving Diverse Populations 5

Question 1

A client who recently became a U.S. citizen through naturalization asks when they can enroll in a Marketplace plan. The CAC should tell them:

Accepted Answer

Becoming a U.S. citizen is a qualifying life event that triggers a Special Enrollment Period

Answer

Gaining citizenship is a qualifying life event that triggers a 60-day Special Enrollment Period, allowing immediate enrollment outside Open Enrollment.

Question 2

When a client's household includes mixed immigration statuses (some members eligible, some not), the CAC should:

Accepted Answer

Apply only for eligible household members and exclude ineligible members' income from tax credit calculations according to Marketplace rules

Answer

Mixed-status households can apply for eligible members only, and specific income-counting rules apply to exclude ineligible members from premium tax credit calculations.

Question 3

A client practicing a religion that objects to certain medical procedures is enrolling in a health plan. The CAC's role is to:

Accepted Answer

Provide objective information about plan benefits and let the client choose based on their own values without the CAC expressing personal opinions

Answer

CACs provide objective, unbiased information and respect client autonomy in making coverage decisions aligned with their own values.

Question 4

Which of the following best supports health equity when a CAC serves clients in a rural area with limited transportation?

Accepted Answer

Offer assistance via phone, video, or mobile outreach to reach clients where they are

Answer

Health equity requires removing barriers, so offering remote or mobile enrollment assistance ensures rural clients have equal access to coverage help.

Question 5

A client who is a veteran inquires about whether to use the VA healthcare system or a Marketplace plan. The CAC should:

Accepted Answer

Explain that VA healthcare coverage counts as minimum essential coverage and the client can choose whether to also enroll in a Marketplace plan

Answer

VA healthcare counts as minimum essential coverage, and veterans may choose to also enroll in a Marketplace plan; the CAC's role is to inform, not direct the choice.

(CACs) Certified Application Counselor Practice Test

(CACs) Certified Application Counselor Practice Test

CACs Serving Diverse Populations 5