CEC Health Coverage Options & Program Eligibility 3

Question 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?

Accepted Answer

144% FPL

Answer

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

Question 2

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

Accepted Answer

Silver

Answer

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

Question 3

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

Accepted Answer

An undocumented immigrant

Answer

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

Question 4

Medicare Part D covers which type of healthcare service?

Accepted Answer

Prescription drugs

Answer

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

Question 5

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

Accepted Answer

Dual eligible

Answer

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

(CEC) Certified Enrollment Counselor Practice Test

(CEC) Certified Enrollment Counselor Practice Test

CEC Health Coverage Options & Program Eligibility 3