PY 2026 PENNIE INDIVIDUAL MARKETPLACE
TRAINING FOR NEW AGENTS AND BROKERS
REAL EXAM QUESTION WITH CORRECT
ANSWERS
What were some of the goals of the Affordable Care Act (ACA)
healthcare reform law enacted in 2010?
a) make heallth insurance more affordable for more people
b) ensure people cannot be denied coverage because of - or charged
more for - pre-existing conditions
c) establish a list of essential health benefits (EHB) insurers must
cover
d) all of the above --CORRECT ANSWER--d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential
Coverage (MEC)
True or False --CORRECT ANSWER--True
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,The Inflation Reduction Act (IRA) signed into law in 2022, extends
the premium subsidies created by the American Rescue Plan Act
(ARPA) from 2022 through what year?
a) 2023
b) 2024
c) 2025
d) 2026 --CORRECT ANSWER--c) 2025
Both Exchange Assisters and Brokers can help a customer complete
an application through Pennie and recommend a plan that would best
fit their personal needs.
a) true
b) false --CORRECT ANSWER--b) false
To meet the requirements of the Pennsylvania Navigator and
Exchange Assister Accessibility and Regulation Act, an Assister must
adhere to all of the following except
a) reside in the Commonwealth
b) maintain appointments with all insurers on the Exchange
c) register with the Pennsylvania Insurance Department (PID)
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,d) avoid engaging in activities which could be considered conflicts of
interest --CORRECT ANSWER--b) maintain appointments with all
insurers on the Exchange
What were the main goals of Act 42 of 2019, the legislation which
allowed the creation of an insurance marketplace for the state of
Pennsyvanina?
a) Transaction from the federal exchange (Healthcare.gov) and set up
a state-based exchange
b) Reduce service and operational costs
c) Launch a reinsurance program to increase savings for families
d) all of the above --CORRECT ANSWER--d) all of the above
Deductibles, copayments, coinsurance, and out-of-pocket limits are
all examples of:
a) penalties
b) essential health benefits
c) cost sharing
d) all of the above --CORRECT ANSWER--c) cost sharing
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, customers seeking assistance can use which of the following methods
to be connected to a broker or assister?
a) pennie customer service 844-844-8040
b) pennie chat feature
c) pennie "get help" tool
d) all of the above --CORRECT ANSWER--d) all of the above
only brokers or assisters can initiate the process to appoint an agent of
Record/Authorized Representative. True or False --CORRECT
ANSWER--False
When dealing with a frustrated or emotional customer, you should
not:
a) commiserate or agree with the customer's claim that the law or a
particular process is unfair
b) show empathy, but maintain professionalism
c) acknowledge their frustration or feelings
d) reassure them that you are here to help --CORRECT ANSWER--a)
commiserate or agree with the customer's claim that the law or a
particular process is unfair
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TRAINING FOR NEW AGENTS AND BROKERS
REAL EXAM QUESTION WITH CORRECT
ANSWERS
What were some of the goals of the Affordable Care Act (ACA)
healthcare reform law enacted in 2010?
a) make heallth insurance more affordable for more people
b) ensure people cannot be denied coverage because of - or charged
more for - pre-existing conditions
c) establish a list of essential health benefits (EHB) insurers must
cover
d) all of the above --CORRECT ANSWER--d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential
Coverage (MEC)
True or False --CORRECT ANSWER--True
Page | 1
,The Inflation Reduction Act (IRA) signed into law in 2022, extends
the premium subsidies created by the American Rescue Plan Act
(ARPA) from 2022 through what year?
a) 2023
b) 2024
c) 2025
d) 2026 --CORRECT ANSWER--c) 2025
Both Exchange Assisters and Brokers can help a customer complete
an application through Pennie and recommend a plan that would best
fit their personal needs.
a) true
b) false --CORRECT ANSWER--b) false
To meet the requirements of the Pennsylvania Navigator and
Exchange Assister Accessibility and Regulation Act, an Assister must
adhere to all of the following except
a) reside in the Commonwealth
b) maintain appointments with all insurers on the Exchange
c) register with the Pennsylvania Insurance Department (PID)
Page | 2
,d) avoid engaging in activities which could be considered conflicts of
interest --CORRECT ANSWER--b) maintain appointments with all
insurers on the Exchange
What were the main goals of Act 42 of 2019, the legislation which
allowed the creation of an insurance marketplace for the state of
Pennsyvanina?
a) Transaction from the federal exchange (Healthcare.gov) and set up
a state-based exchange
b) Reduce service and operational costs
c) Launch a reinsurance program to increase savings for families
d) all of the above --CORRECT ANSWER--d) all of the above
Deductibles, copayments, coinsurance, and out-of-pocket limits are
all examples of:
a) penalties
b) essential health benefits
c) cost sharing
d) all of the above --CORRECT ANSWER--c) cost sharing
Page | 3
, customers seeking assistance can use which of the following methods
to be connected to a broker or assister?
a) pennie customer service 844-844-8040
b) pennie chat feature
c) pennie "get help" tool
d) all of the above --CORRECT ANSWER--d) all of the above
only brokers or assisters can initiate the process to appoint an agent of
Record/Authorized Representative. True or False --CORRECT
ANSWER--False
When dealing with a frustrated or emotional customer, you should
not:
a) commiserate or agree with the customer's claim that the law or a
particular process is unfair
b) show empathy, but maintain professionalism
c) acknowledge their frustration or feelings
d) reassure them that you are here to help --CORRECT ANSWER--a)
commiserate or agree with the customer's claim that the law or a
particular process is unfair
Page | 4
