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ACG CXA ACTUAL EXAM 2026/2027 |
Questions with Correct Answers | Grade
A+ & Verified Solutions | Pass
Guaranteed - A+ Graded
SECTION 1: ELIGIBILITY AND ENROLLMENT
Q1: A client with an estimated annual household income of $48,000 for a family of three is
applying for coverage through the Health Insurance Marketplace. The Federal Poverty Level
(FPL) for a family of three is $24,860. Which of the following statements about this client's
eligibility is correct?
A. The client is eligible for premium tax credits but not cost-sharing reductions
B. The client is eligible for both premium tax credits and cost-sharing reductions
C. The client is eligible for Medicaid based on their income level
D. The client is not eligible for any financial assistance because income exceeds 400% FPL
Correct Answer: A
Rationale: The client's income is 193% of FPL ($48,000 ÷ $24,860 = 1.93 or 193%).
[CORRECT] Option A is correct because premium tax credits are available for households
between 100-400% FPL, but cost-sharing reductions (CSR) are only available for Silver plan
enrollees with incomes between 100-250% FPL. Option B is incorrect because CSR requires
Silver plan selection and income under 250% FPL. Option C is incorrect because Medicaid
expansion typically covers up to 138% FPL, and this client exceeds that threshold. Option D is
incorrect because 193% FPL is well below 400% FPL, making the client eligible for premium
tax credits.
Q2: Which of the following is NOT a qualifying life event for a Special Enrollment Period
(SEP)?
A. Marriage
B. Birth of a child
C. Voluntarily dropping coverage
D. Loss of coverage due to job loss
Correct Answer: C
Rationale: Voluntarily dropping coverage is not a qualifying life event for a Special Enrollment
Period. The other options (marriage, birth of a child, and loss of coverage due to job loss) are all
qualifying life events.
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Q3: A client is applying for coverage and has an estimated annual income of $30,000. The FPL
for an individual is $12,880. What percentage of the FPL is the client's income?
A. 150%
B. 200%
C. 233%
D. 250%
Correct Answer: C
Rationale: The client's income is $30,000. The FPL for an individual is $12,880. To find the
percentage, divide $30,000 by $12,880, which equals approximately 233%.
Q4: A family of four has an annual income of $60,000. The FPL for a family of four is $26,500.
Are they eligible for premium tax credits?
A. Yes, because their income is between 100-400% FPL
B. No, because their income exceeds 400% FPL
C. Yes, because their income is below 138% FPL
D. No, because their income is above 250% FPL
Correct Answer: A
Rationale: The family's income is 226% of FPL ($60,000 ÷ $26,500 = 2.26 or 226%). They are
eligible for premium tax credits because their income is between 100-400% FPL.
Q5: A client is applying for coverage and is unsure about their immigration status. Which of the
following statements is correct regarding eligibility for marketplace coverage?
A. Only U.S. citizens are eligible for marketplace coverage
B. Lawfully present immigrants are eligible for marketplace coverage
C. Undocumented immigrants are eligible for marketplace coverage
D. All immigrants, regardless of status, are eligible for marketplace coverage
Correct Answer: B
Rationale: Lawfully present immigrants are eligible for marketplace coverage. Undocumented
immigrants are not eligible for marketplace coverage.
Q6: A client is applying for coverage and has an estimated annual income of $25,000. The FPL
for an individual is $12,880. Which of the following statements about this client's eligibility is
correct?
A. The client is eligible for premium tax credits but not cost-sharing reductions
B. The client is eligible for both premium tax credits and cost-sharing reductions
C. The client is eligible for Medicaid based on their income level
D. The client is not eligible for any financial assistance because income exceeds 400% FPL
Correct Answer: B
Rationale: The client's income is 194% of FPL ($25,000 ÷ $12,880 = 1.94 or 194%). Option B is
correct because premium tax credits and cost-sharing reductions are available for households
between 100-250% FPL.
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Q7: Which of the following is a qualifying life event for a Special Enrollment Period (SEP)?
A. Getting a new job
B. Moving to a new state
C. Buying a new car
D. Going on vacation
Correct Answer: B
Rationale: Moving to a new state is a qualifying life event for a Special Enrollment Period. The
other options (getting a new job, buying a new car, and going on vacation) are not qualifying life
events.
Q8: A client is applying for coverage and has an estimated annual income of $20,000. The FPL
for an individual is $12,880. What percentage of the FPL is the client's income?
A. 125%
B. 155%
C. 175%
D. 200%
Correct Answer: B
Rationale: The client's income is $20,000. The FPL for an individual is $12,880. To find the
percentage, divide $20,000 by $12,880, which equals approximately 155%.
Q9: A family of three has an annual income of $40,000. The FPL for a family of three is $21,960.
Are they eligible for premium tax credits?
A. Yes, because their income is between 100-400% FPL
B. No, because their income exceeds 400% FPL
C. Yes, because their income is below 138% FPL
D. No, because their income is above 250% FPL
Correct Answer: A
Rationale: The family's income is 182% of FPL ($40,000 ÷ $21,960 = 1.82 or 182%). They are
eligible for premium tax credits because their income is between 100-400% FPL.
Q10: A client is applying for coverage and is unsure about their immigration status. Which of the
following statements is correct regarding eligibility for marketplace coverage?
A. Only U.S. citizens are eligible for marketplace coverage
B. Lawfully present immigrants are eligible for marketplace coverage
C. Undocumented immigrants are eligible for marketplace coverage
D. All immigrants, regardless of status, are eligible for marketplace coverage
Correct Answer: B
Rationale: Lawfully present immigrants are eligible for marketplace coverage. Undocumented
immigrants are not eligible for marketplace coverage.
Q11: A client is applying for coverage and has an estimated annual income of $18,000. The FPL
for an individual is $12,880. Which of the following statements about this client's eligibility is
ACG CXA ACTUAL EXAM 2026/2027 |
Questions with Correct Answers | Grade
A+ & Verified Solutions | Pass
Guaranteed - A+ Graded
SECTION 1: ELIGIBILITY AND ENROLLMENT
Q1: A client with an estimated annual household income of $48,000 for a family of three is
applying for coverage through the Health Insurance Marketplace. The Federal Poverty Level
(FPL) for a family of three is $24,860. Which of the following statements about this client's
eligibility is correct?
A. The client is eligible for premium tax credits but not cost-sharing reductions
B. The client is eligible for both premium tax credits and cost-sharing reductions
C. The client is eligible for Medicaid based on their income level
D. The client is not eligible for any financial assistance because income exceeds 400% FPL
Correct Answer: A
Rationale: The client's income is 193% of FPL ($48,000 ÷ $24,860 = 1.93 or 193%).
[CORRECT] Option A is correct because premium tax credits are available for households
between 100-400% FPL, but cost-sharing reductions (CSR) are only available for Silver plan
enrollees with incomes between 100-250% FPL. Option B is incorrect because CSR requires
Silver plan selection and income under 250% FPL. Option C is incorrect because Medicaid
expansion typically covers up to 138% FPL, and this client exceeds that threshold. Option D is
incorrect because 193% FPL is well below 400% FPL, making the client eligible for premium
tax credits.
Q2: Which of the following is NOT a qualifying life event for a Special Enrollment Period
(SEP)?
A. Marriage
B. Birth of a child
C. Voluntarily dropping coverage
D. Loss of coverage due to job loss
Correct Answer: C
Rationale: Voluntarily dropping coverage is not a qualifying life event for a Special Enrollment
Period. The other options (marriage, birth of a child, and loss of coverage due to job loss) are all
qualifying life events.
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Q3: A client is applying for coverage and has an estimated annual income of $30,000. The FPL
for an individual is $12,880. What percentage of the FPL is the client's income?
A. 150%
B. 200%
C. 233%
D. 250%
Correct Answer: C
Rationale: The client's income is $30,000. The FPL for an individual is $12,880. To find the
percentage, divide $30,000 by $12,880, which equals approximately 233%.
Q4: A family of four has an annual income of $60,000. The FPL for a family of four is $26,500.
Are they eligible for premium tax credits?
A. Yes, because their income is between 100-400% FPL
B. No, because their income exceeds 400% FPL
C. Yes, because their income is below 138% FPL
D. No, because their income is above 250% FPL
Correct Answer: A
Rationale: The family's income is 226% of FPL ($60,000 ÷ $26,500 = 2.26 or 226%). They are
eligible for premium tax credits because their income is between 100-400% FPL.
Q5: A client is applying for coverage and is unsure about their immigration status. Which of the
following statements is correct regarding eligibility for marketplace coverage?
A. Only U.S. citizens are eligible for marketplace coverage
B. Lawfully present immigrants are eligible for marketplace coverage
C. Undocumented immigrants are eligible for marketplace coverage
D. All immigrants, regardless of status, are eligible for marketplace coverage
Correct Answer: B
Rationale: Lawfully present immigrants are eligible for marketplace coverage. Undocumented
immigrants are not eligible for marketplace coverage.
Q6: A client is applying for coverage and has an estimated annual income of $25,000. The FPL
for an individual is $12,880. Which of the following statements about this client's eligibility is
correct?
A. The client is eligible for premium tax credits but not cost-sharing reductions
B. The client is eligible for both premium tax credits and cost-sharing reductions
C. The client is eligible for Medicaid based on their income level
D. The client is not eligible for any financial assistance because income exceeds 400% FPL
Correct Answer: B
Rationale: The client's income is 194% of FPL ($25,000 ÷ $12,880 = 1.94 or 194%). Option B is
correct because premium tax credits and cost-sharing reductions are available for households
between 100-250% FPL.
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Q7: Which of the following is a qualifying life event for a Special Enrollment Period (SEP)?
A. Getting a new job
B. Moving to a new state
C. Buying a new car
D. Going on vacation
Correct Answer: B
Rationale: Moving to a new state is a qualifying life event for a Special Enrollment Period. The
other options (getting a new job, buying a new car, and going on vacation) are not qualifying life
events.
Q8: A client is applying for coverage and has an estimated annual income of $20,000. The FPL
for an individual is $12,880. What percentage of the FPL is the client's income?
A. 125%
B. 155%
C. 175%
D. 200%
Correct Answer: B
Rationale: The client's income is $20,000. The FPL for an individual is $12,880. To find the
percentage, divide $20,000 by $12,880, which equals approximately 155%.
Q9: A family of three has an annual income of $40,000. The FPL for a family of three is $21,960.
Are they eligible for premium tax credits?
A. Yes, because their income is between 100-400% FPL
B. No, because their income exceeds 400% FPL
C. Yes, because their income is below 138% FPL
D. No, because their income is above 250% FPL
Correct Answer: A
Rationale: The family's income is 182% of FPL ($40,000 ÷ $21,960 = 1.82 or 182%). They are
eligible for premium tax credits because their income is between 100-400% FPL.
Q10: A client is applying for coverage and is unsure about their immigration status. Which of the
following statements is correct regarding eligibility for marketplace coverage?
A. Only U.S. citizens are eligible for marketplace coverage
B. Lawfully present immigrants are eligible for marketplace coverage
C. Undocumented immigrants are eligible for marketplace coverage
D. All immigrants, regardless of status, are eligible for marketplace coverage
Correct Answer: B
Rationale: Lawfully present immigrants are eligible for marketplace coverage. Undocumented
immigrants are not eligible for marketplace coverage.
Q11: A client is applying for coverage and has an estimated annual income of $18,000. The FPL
for an individual is $12,880. Which of the following statements about this client's eligibility is
