Practice Test Geeks(CEC) Certified Enrollment Counselor Practice Test
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Health Coverage Options & Program Eligibility 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 Health Coverage Options & Program Eligibility flashcards as text

  1. A family of 4 earns $45,000/year. In 2024, the FPL for a family of 4 is approximately $31,200. What percentage of FPL is this family's income?

    Answer: 144% FPL

    $45,000 ÷ $31,200 ≈ 144% FPL, placing them in the range for Marketplace subsidies and potentially cost-sharing reductions on a Silver plan.

  2. Cost-sharing reductions (CSRs) on the Marketplace are available only when a consumer enrolls in which metal tier?

    Answer: Silver

    CSRs are only available on Silver plans; enrolling in any other metal tier forfeits the cost-sharing reduction benefit even if income qualifies.

  3. Which of the following individuals is categorically excluded from Marketplace coverage?

    Answer: An undocumented immigrant

    Undocumented immigrants are not eligible to enroll in Marketplace plans or receive premium tax credits under the ACA.

  4. Medicare Part D covers which type of healthcare service?

    Answer: Prescription drugs

    Medicare Part D is the voluntary prescription drug benefit program, available through stand-alone PDP plans or Medicare Advantage plans with drug coverage.

  5. An enrollment counselor is helping a 67-year-old who has both Medicare and Medicaid. What is this called?

    Answer: Dual eligible

    Individuals who qualify for both Medicare and Medicaid are called 'dual eligibles' and may receive coordinated benefits from both programs.

  6. Which statement about COBRA continuation coverage is accurate?

    Answer: The individual pays up to 102% of the full premium

    Under COBRA, the individual pays the full premium (both employee and employer shares) plus a 2% administrative fee, making it often expensive.

  7. What is the primary purpose of a Health Savings Account (HSA)?

    Answer: To save pre-tax dollars for qualified medical expenses when paired with an HDHP

    An HSA allows individuals enrolled in a High-Deductible Health Plan to save pre-tax money for qualified medical expenses, reducing overall tax liability.