PY 2026 Pennie Individual Marketplace Training for New Agents and Brokers Practice Test

These questions are part of the practice quiz. Start practicing

• What effect does a significant income change have on a customer's APTC/CSR eligibility?
• What strategy is recommended when assisting consumers in the Pennie Individual Marketplace?
• Which service is NOT typically part of the Pennie Individual Marketplace?
• Can clients change their health plan outside of the Open Enrollment Period?
• How are the premium tax credits calculated?
• When making a binder payment or payment that is past due, what should a customer do?
• How can changes in household income impact premium costs for healthcare insurance?
• If a customer qualifies for APTC but chooses not to take the entire estimated amount available, what happens to the remaining PTC?
• When reviewing plans on the Pennie marketplace, what factor is NOT typically included in the comparison?
• How can consumers access their Pennie accounts after enrollment?
• Which statement is true about the access of non-licensed office staff to the Agency account?
• What are the enrollment periods available for Pennie?
• Do all medical plans offered through Pennie constitute Minimum Essential Coverage (MEC)?
• Can individuals eligible for Medicaid receive premium tax credits through Pennie?
• In Pennsylvania, how long must non-US citizens be lawfully present to be eligible for Medicare or MA/CHIP?
• What must consumers do if they want to maximize their financial assistance?
• When a customer enrolls through Pennie, what must they confirm regarding their immigration status?
• What type of information must match in TrainPA and Pennie accounts to avoid certification delays?
• To meet the Pennsylvania Navigator and Exchange Assister Accessibility and Regulation Act requirements, what must an Assister avoid?
• What type of plans can customers enroll in if their choice is limited based on state requirements?
• What could administrative barriers to healthcare lead to for marginalized populations?
• When a customer becomes eligible for Medicare, what happens to their Pennie policy?
• What should a customer do if there is a data matching issue (DMI) with their application?
• What will be the last day of a customer's policy if they request termination while moving out of state?
• What were the main goals of Act 42 of 2019 regarding the insurance marketplace in Pennsylvania?
• What is the primary purpose of the Pennie Individual Marketplace?
• What is the primary purpose of the APTC?
• If the cost of the SLCS plan in a customer's area increases but the household income remains the same, what will happen to the amount of APTC?
• If a consumer has a grievance with a healthcare provider, what should they do?
• What is an insecure practice when managing online logins?
• Which services are considered essential health benefits covered by QHPs?
• What factor is NOT a reason that historically marginalized populations may have higher health risks?
• What is the deadline by which a customer must enroll for the coverage to be effective January 1st?
• For what purposes does Pennie collect PII according to its privacy policy?
• What is the most commonly spoken language in Pennsylvania besides English?
• For Pennie to forward a customer's application to DHS for a MA/CHIP eligibility determination, their annual household income must fall at or below what percentage of the FPL?
• What occurs if an individual misses the Open Enrollment Period?
• What role do navigators play in the Pennie marketplace?
• Why is it important to secure a laptop in a public space?
• Why is it crucial for agents to stay updated on changes in healthcare policies?
• What are the consequences of failing to obtain health coverage?
• What should a self-employed customer include when uploading income documentation after being flagged for income DMI?
• In the event a customer's application is flagged, which of the following is true?
• Which of the following signatures are required on a Broker and Book of Business Transfer Request Form if the Agent intends to keep their Book of Business?
• What should you attempt to do when assisting households with mixed immigration statuses?
• What types of financial assistance are available through Pennie?
• What is the default sort order of plans on the Plan Shopping Tool?
• Which of the following factors contributes to the higher risk of health problems in historically marginalized populations?
• What is the correct action if a customer is dissatisfied with their purchased policy during the "free look period"?
• What should an Agency Manager do to add a new broker to their Agency account?
• Under which condition might a customer be automatically renewed but with their APTC/CSR removed?
• What kind of verification is required when applying for financial assistance through Pennie?
• Which statement regarding APTC/CSR eligibility is true?
• When calculating household income, should only family members seeking coverage be included?
• If a customer fails to reconcile the APTC received on their annual tax return for 2 consecutive years, what will Pennie do?
• The "star ratings" developed by CMS are based on scores from which categories?
• What must you always check before opening an email from a sender?
• Do brokers and assisters have a responsibility to protect customer PII in all forms?
• When moving from one Agency to another, should an Agent enter the name of the new Agency in their Pennie account?
• Which of the following is NOT a reason to request help from Pennie customer service?
• What should you do if the system flags a customer's information as existing, but they claim they have never enrolled through Pennie?
• What may happen to individuals without health insurance under the Affordable Care Act?
• What happens to customers who are enrolled through the end of the calendar year and are otherwise eligible?
• What is a good solution for managing multiple passwords securely?
• What is the likely consequence of underreporting income?
• After a customer submits an application and receives conditional eligibility due to a DMI, how long do they have to resolve it?
• Are immigrants with an ITIN allowed to use it instead of an SSN on their Pennie application?
• What happens if a customer chooses to use less than 100% of their APTC?
• Where can a customer find their eligibility determination after submitting a financial application?
• What is one important aspect of the Pennie enrollment process?
• In the context of APTC, what does FPL stand for?
• What is the significance of the "silver tier" plan in the marketplace?
• Which metal plan must a customer choose to qualify for cost-sharing reduction (CSR)?
• What is the function of the 1095-A form?
• To qualify for the auto renewal process, do customers need to submit a new application?
• If a customer receives a bill from an out-of-network provider, where should they file their appeal?
• If a customer is enrolled in medical coverage by their employer but not offered dental coverage, what can they do through Pennie?
• Who is eligible to enroll in the Pennie Individual Marketplace?
• To avoid delays in certification, the name and PA License Number on your TrainPA and Pennie accounts should match what is on your PA Insurance Department-issued license. True or False?
• Can a customer use a PO Box as their physical address when completing an application?
• What is the duration of the "free look period" during which a customer can terminate a policy for a refund?
• Which outcome is a potential benefit of obtaining health coverage through Pennie?
• What approach should be taken if sensitive information is lost?
• Within how many hours must you report a missing folder containing customer demographic information to Pennie?
• What are potential security vulnerabilities when using a communal desk with free public Wi-Fi at the airport?
• Which of the following is NOT an example of a qualifying life event (QLE)?
• If an assigned Agent leaves but their customers are not reassigned, what status will the customers have?
• Which action is NOT a requirement for someone to use the anonymous shopping tool savings calculator?
• What could happen if you use public Wi-Fi without precautions?
• How should a husband and wife enrolled in a joint policy terminate the wife's coverage if she's transitioning to Medicare?
• How often must individuals report income for APTC eligibility?
• If Pennie is unable to verify a customer's immigration information, how long does the customer have to provide additional documentation?
• Only brokers or assisters can initiate the process to appoint an agent of Record/Authorized Representative. True or False?
• When dealing with a frustrated customer, what should you not do?
• Which factors can influence the premiums of health insurance plans on Pennie?
• Who can provide guidance to individuals that are unsure about their coverage options in Pennie?
• Deductibles, copayments, coinsurance, and out-of-pocket limits are examples of what?
• If an Agent with active designations leaves an Agency, what happens if customers are not reassigned beforehand?
• Which of the following is not a requirement for eligibility in coverage through Pennie?
• How can customers seeking assistance be connected to a broker or assister?
• How often should you change your passwords for online accounts?
• What is the purpose of the premium tax credits in the Pennie marketplace?
• If you are changing agencies as an Agent, what action should you take?
• What does "cost-sharing reduction" (CSR) primarily provide to consumers?
• If a customer omits his cash income from his submitted financial application, what should you do?
• What were some of the goals of the Affordable Care Act (ACA) enacted in 2010?
• What does the term "network" refer to in health insurance?
• If a customer believes their policy was incorrectly not terminated, what is the likely outcome of their appeal?
• If a customer opts for paperless communications, where will they receive letters and notices from Pennie?
• If a family of four is seeking coverage and you ask for sensitive information for all members, is this a PII violation?
• What document must all customers receiving APTC include when filing their taxes?
• To enroll in coverage through Pennie, a customer must:
• What defines a "Qualified Health Plan" (QHP)?
• How long do customers have to resolve a data matching issue to avoid delays?
• If you weren't credited for a policy on a commission report, what should you do first?
• If an uninsured parent moves in with a customer's family, can the customer add them to their application for coverage?
• The Inflation Reduction Act (IRA) extends the premium subsidies from the American Rescue Plan Act (ARPA) through which year?
• How can a customer elect to use less than their total APTC?
• When will Pennie transition from using the 2023 FPL levels to 2024 levels?
• In what scenario would a customer be eligible for APTC?
• What should an individual do if their income changes during the year?
• What is a requirement for an Assister under the Pennsylvania Navigator and Exchange Assister Accessibility and Regulation Act?
• What is one consequence of not resolving a data matching issue in time?
• Which of the following factors affects a customer's eligibility for APTC?
• Which of the following is an example of personally identifiable information (PII)?
• In what scenario can a consumer appeal a health insurance decision?
• If a customer is approved for MA by DHS, what can Pennie not do?
• When is it acceptable to use a personal device for customer-related work?
• When calculating household income, which family members should be included?
• What happens if individuals do not enroll in health coverage through the Pennie system?
• What should a customer consent form detail?
• Can both Exchange Assisters and Brokers help customers complete an application through Pennie?
• What is the benefit of a secure, encrypted password manager?
• Can customers enroll in the SLCS plan if they do not want to receive APTC?
• What is a best practice for protecting customer sensitive information?
• If a customer reports an increase in income, what will likely happen to the amount of APTC they are eligible for?
• After experiencing a qualifying life event (QLE), how many days must a customer enroll in coverage?
• What is the main purpose of the cost-sharing reduction (CSR) program?
• What is the primary focus of the Pennie Individual Marketplace?
• According to the 2021 US census, what percentage of Pennsylvania's population under age 65 was uninsured?
• What type of plan provides a benefit for out-of-network claims in non-emergency situations?
• Why is it important to understand out-of-pocket maximums?
• What is the risk of using USB chargers in public places?
• Are underserved communities typically characterized by limited access to healthcare services?
• To get a quick estimate of financial assistance eligibility, what should a customer click on?
• What is a necessary action before filing taxes regarding health insurance?
• Which of the following is not a goal of the Affordable Care Act (ACA)?
• What is the importance of preventive services in health insurance coverage?
• What could be a possible benefit from the American Rescue Plan for consumers?
• When does the annual open enrollment period (OEP) run?
• Can a customer opt to enroll in coverage through Pennie instead of Medicare?
• Why should clients be informed about reporting requirements regarding income?
• Which group is responsible for helping individuals navigate the insurance options within the Pennie marketplace?
• What do customers need to do to be considered eligible for MA/CHIP through Pennie?
• Non-licensed office staff are permitted to have access to the Agency account with approval from whom?
• In what circumstance may someone apply through the Special Enrollment Period?
• If a customer has an offer of employer coverage costing more than 8.39% of their annual income, what can they do?
• As a sole, licensed and self-employed independent agent, which account type should you choose?
• When will a customer's coverage be terminated if they miss two months of payments after consistently paying their premiums?
• What is the main purpose of offering premium subsidies through the Inflation Reduction Act?
• If a customer faces a data matching issue, what assistance can Pennie's customer service provide?
• Which special enrollment period (SEP) is caused by loss of Medicaid or CHIP eligibility?
• What is a key requirement for Agents who want to keep their Book of Business during a transfer?
• Who is responsible for confirming whether you are still the Agent of Record on an account?