CES Marketplace and Exchange Navigation

Question 1

What is the primary role of the Health Insurance Marketplace created by the ACA?

Accepted Answer

To offer a platform where individuals can compare and purchase qualified health plans

Answer

The Health Insurance Marketplace is a structured platform where consumers can shop, compare, and enroll in ACA-compliant qualified health plans and apply for financial assistance.

Question 2

States that choose to run their own ACA exchange are called:

Accepted Answer

State-Based Marketplaces (SBMs)

Answer

States that build and operate their own ACA-compliant exchanges are called State-Based Marketplaces (SBMs), while other states use HealthCare.gov.

Question 3

A Navigator is a federally funded, certified professional who may:

Accepted Answer

Provide unbiased enrollment assistance at no cost to consumers

Answer

Navigators are federally funded, trained, and certified to provide free, unbiased help with Marketplace applications, enrollment, and plan comparison without selling plans.

Question 4

Which of the following must an applicant provide to apply for Marketplace coverage?

Accepted Answer

Household size and estimated annual income

Answer

Marketplace applications require household information including size, income estimate, citizenship or immigration status, and Social Security numbers to determine eligibility for plans and financial assistance.

Question 5

The SHOP (Small Business Health Options Program) Marketplace is designed for:

Accepted Answer

Small employers with generally 1–50 employees

Answer

SHOP is the ACA Marketplace for small businesses, generally those with 1–50 full-time equivalent employees, allowing them to offer employees a choice of QHPs.

CES - Certified Enrollment Specialist Practice Test

CES - Certified Enrollment Specialist Practice Test

CES Marketplace and Exchange Navigation