CEC - Certified Enrollment Counselor ACA & Marketplace Fundamentals Questions and Answers

Question 1

A consumer loses their employer-sponsored health coverage on June 15th. Under ACA rules, what is the latest date they can typically enroll in a new Marketplace plan through a Special Enrollment Period (SEP)?

Accepted Answer

August 14th

Answer

Losing qualifying health coverage is a life event that triggers a Special Enrollment Period. Generally, individuals have 60 days from the date of losing coverage to select a new Marketplace plan. Therefore, 60 days from June 15th is August 14th.

Question 2

Which of the following is a primary responsibility of a Certified Enrollment Counselor (CEC)?

Accepted Answer

Providing fair, accurate, and impartial information about health coverage options.

Answer

Certified Enrollment Counselors must provide information and services in a fair, accurate, and impartial manner. Their role is to help consumers understand their options and facilitate enrollment, but they are explicitly prohibited from recommending specific plans, which is the role of a licensed agent or broker.

Question 3

A family of three has a Modified Adjusted Gross Income (MAGI) that is 225% of the Federal Poverty Level (FPL). To receive the maximum available financial assistance for out-of-pocket costs, which type of Marketplace plan must they enroll in?

Accepted Answer

Silver

Answer

Cost-Sharing Reductions (CSRs), which lower out-of-pocket costs like deductibles and copayments, are only available to eligible individuals and families who enroll in a Silver plan. Eligibility for CSRs is based on income, typically between 100% and 250% of the FPL.

Question 4

To be eligible to enroll in health coverage through the Health Insurance Marketplace, an individual must meet several requirements. Which of the following is NOT a standard eligibility requirement?

Accepted Answer

Be employed at least part-time.

Answer

Marketplace eligibility is not dependent on employment status. An individual must live in the United States, be a U.S. citizen or be lawfully present, and not be incarcerated. Unemployed individuals can still be eligible for and enroll in Marketplace coverage.

Question 5

A 28-year-old consumer is looking for a health plan with the lowest possible monthly premium, and they do not expect to need frequent medical services. Which metal level plan would most likely meet their primary objective?

Accepted Answer

Bronze

Answer

Bronze plans are characterized by having the lowest monthly premiums. In exchange, they have the highest out-of-pocket costs (like deductibles and copayments) when care is needed. This structure is often suitable for younger, healthier individuals who want protection from major medical events but want to keep fixed monthly costs low.

(CEC) Certified Enrollment Counselor Practice Test

(CEC) Certified Enrollment Counselor Practice Test

CEC - Certified Enrollment Counselor ACA & Marketplace Fundamentals Questions and Answers