CACS Study Guide 2026

Everything you need to pass the CACS exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.

📋 CACS Exam Format at a Glance

Questions

90 min

Time Limit

70.00%

Passing Score

Take a Full CACS Exam Simulation →

📚 CACS Topics to Study (69)

Confidentiality & Privacy Standards · 9 cards Consumer Education and Assistance · 9 cards Eligibility and Enrollment · 9 cards Healthcare Programs & Coverage Options · 9 cards Affordable Care Act Basics · 7 cards Affordable Care Act Basics · 7 cards Affordable Care Act Basics · 7 cards Affordable Care Act Basics · 7 cards CAC Roles and Responsibilities · 7 cards CAC Roles and Responsibilities · 7 cards CAC Roles and Responsibilities · 7 cards CAC Roles and Responsibilities · 7 cards Confidentiality & Privacy Standards · 7 cards Confidentiality & Privacy Standards · 7 cards Confidentiality & Privacy Standards · 7 cards Confidentiality & Privacy Standards · 7 cards Consumer Education and Assistance · 7 cards Consumer Education and Assistance · 7 cards Consumer Education and Assistance · 7 cards Consumer Education and Assistance · 7 cards Eligibility and Enrollment · 7 cards Eligibility and Enrollment · 7 cards Eligibility and Enrollment · 7 cards Eligibility and Enrollment · 7 cards Eligibility and Enrollment Process · 7 cards Eligibility and Enrollment Process · 7 cards Eligibility and Enrollment Process · 7 cards Eligibility and Enrollment Process · 7 cards Ethics and Impartiality · 7 cards Ethics and Impartiality · 7 cards

See all 69 topics as flashcards →

✍️ Sample CACS Questions & Answers

1. What should a CAC do if they are unsure about how to assist a consumer?

✓ Consult training resources or ask a supervisor

CACs are expected to provide accurate and reliable information. If a CAC is unsure, guessing or providing general advice can lead to misinformation and negative consequences for the consumer. Consulting official training materials or seeking guidance from a supervisor ensures that the consumer receives correct and compliant assistance, maintaining the integrity of the CAC program.

2. When explaining the Marketplace's network types to a consumer, which plan type generally requires referrals to see specialists but may offer lower premiums?

✓ HMO (Health Maintenance Organization)

HMO plans typically require members to get referrals from a primary care physician before seeing specialists and generally have lower premiums.

3. A consumer receives APTC but then gains access to affordable employer-sponsored insurance (ESI). What should happen?

✓ They likely become ineligible for APTC and should report the change to the Marketplace

Access to affordable employer-sponsored insurance generally disqualifies a consumer from APTC, and the change must be reported to avoid excess credit repayment.

4. Under Marketplace privacy rules, for how long are CAC organizations generally required to retain records of their consumer assistance activities?

✓ 5 years

CMS generally requires certified entities like CAC programs to retain records related to their Navigator/CAC activities for a minimum of 5 years.

5. A consumer wants to know whether dental coverage is included in their Marketplace health plan. A CAC should explain that:

✓ Dental coverage for adults is generally not included in health plans and must be purchased separately

Adult dental coverage is not an essential health benefit and is typically not included in Marketplace health plans; consumers must purchase a separate stand-alone dental plan.

6. Which of the following consumers is eligible to purchase a Qualified Health Plan (QHP) through the Marketplace?

✓ A lawfully present immigrant with income at 200% FPL

Lawfully present immigrants who meet income requirements and are not incarcerated or enrolled in Medicare are eligible for Marketplace QHPs.

🎯 Free CACS Practice Tests

Confidentiality & Privacy Standards · 9 questions Eligibility and Enrollment · 9 questions Consumer Education and Assistance · 9 questions Healthcare Programs & Coverage Options · 9 questions Serving Diverse Populations · 7 questions Serving Diverse Populations · 7 questions Verification and Documentation Requirements · 7 questions Confidentiality & Privacy Standards · 7 questions Verification and Documentation Requirements · 7 questions Serving Diverse Populations · 7 questions

📖 CACS Guides & Articles

Your CACS Study Path

1. Learn with Flashcards → 2. Drill Practice Tests → 3. Take the Full Exam Simulation

🃏 CACS Flashcards (477)🏆 CACS Exam Simulation

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