Practice Test Geeks(CEC) Certified Enrollment Counselor Practice Test
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Eligibility Determination Process Flashcards

7 cards from real CEC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Eligibility Determination Process flashcards as text

  1. A self-employed individual projects $18,000 in net profit for the year. Which deduction is applied before comparing their income to the FPL for APTC eligibility?

    Answer: One-half of self-employment tax paid

    The deduction for one-half of self-employment tax is included in the MAGI calculation as an adjustment to income.

  2. A consumer experiences a permanent move to a new service area during the plan year. What type of enrollment opportunity does this trigger?

    Answer: A 60-day Special Enrollment Period

    A permanent move to a new Marketplace service area triggers a 60-day SEP allowing the consumer to select a new plan.

  3. Which of the following best describes 'minimum essential coverage' (MEC) that would disqualify a consumer from APTC?

    Answer: Medicare Part A or Part B coverage

    Medicare Part A or Part B constitutes minimum essential coverage that makes a consumer ineligible for APTC.

  4. A 19-year-old is claimed as a tax dependent by their parent but wishes to enroll in a Marketplace plan separately. Which statement is correct?

    Answer: They can enroll separately but APTC is based on the parent's household income

    Tax dependents who enroll separately still have their APTC eligibility determined based on the tax filer's household income, not their own.

  5. Under the ACA, what is the maximum percentage of household income a consumer at 150% FPL would be expected to contribute toward the benchmark Silver plan premium after APTC (in 2024)?

    Answer: 0%

    Under enhanced subsidies in effect through 2025, consumers at 100–150% FPL pay $0 for the benchmark Silver plan.

  6. A Marketplace applicant's employer offers health coverage. The enrollment counselor must assess affordability. For 2024, employer-sponsored coverage is considered unaffordable if the employee-only premium exceeds what percentage of household income?

    Answer: 8.39%

    For 2024, the ACA affordability threshold is 8.39% of household income for the employee-only premium.

  7. A consumer who received excess APTC during the year will reconcile the overpayment through which mechanism?

    Answer: IRS Form 8962 filed with their federal tax return

    APTC reconciliation occurs on IRS Form 8962, filed with the federal income tax return for the coverage year.