Page 1 of 196
AHIP 2026/2027 Final Exam Updated
Questions and Verified Answers, 100%
Guaranteed Pass
1. A beneficiary turns 65 on June 15, 2026. When is their
Initial Enrollment Period (IEP)?
A. March 1 – September 30, 2026
B. April 1 – September 30, 2026
C. March 1 – June 30, 2026
D. June 1 – December 31, 2026
Answer: A
Rationale: IEP begins 3 months before birthday month
(March), includes birthday month (June), and ends 3
months after (September). Total 7 months: March 1 –
September 30.
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2. Which statement about Part A premium-free eligibility is
correct?
A. All beneficiaries aged 65+ automatically get premium-
free Part A.
B. 40 quarters of Medicare-covered employment are
required.
C. 30 quarters of employment plus spouse’s 10 quarters.
D. ESRD patients never pay Part A premium.
Answer: B
Rationale: 40 quarters (10 years) of work history required
for premium-free Part A. Option A false; Option C
insufficient; Option D false – ESRD patients may pay if
lacking work credits.
3. (Scenario) Mrs. Lee, age 68, has Part A only. She wants
Part B. When can she enroll?
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A. Only during AEP (Oct 15 – Dec 7).
B. Any time with penalty.
C. General Enrollment Period (Jan 1 – Mar 31) with possible
penalty.
D. She cannot enroll after age 65.
Answer: C
Rationale: GEP is Jan 1 – Mar 31 for those who missed IEP.
Part B late penalty applies (10% per 12-month period
without coverage).
4. What is the Part B late enrollment penalty for 2026?
A. 5% per year without coverage, added permanently.
B. 10% per 12-month period without coverage, added
permanently.
C. 15% one-time fee.
D. No penalty if enrolling during GEP.
, Page 4 of 196
Answer: B
Rationale: 10% per full 12-month period eligible but not
enrolled, added to monthly premium for life.
5. Which of the following trigger a Special Enrollment Period
(SEP) for Part B? (Select 3)
A. Moving to a new state.
B. Losing employer group health coverage.
C. Becoming eligible for Medicaid.
D. Turning 65.
E. Voluntarily dropping employer coverage.
Answers: A, B, C
Rationale: A – move SEP (2 months after move). B – loss of
employer coverage SEP (6 months). C – Medicaid SEP (any
time). D – IEP, not SEP. E – voluntary drop without loss of
other coverage does not qualify.
AHIP 2026/2027 Final Exam Updated
Questions and Verified Answers, 100%
Guaranteed Pass
1. A beneficiary turns 65 on June 15, 2026. When is their
Initial Enrollment Period (IEP)?
A. March 1 – September 30, 2026
B. April 1 – September 30, 2026
C. March 1 – June 30, 2026
D. June 1 – December 31, 2026
Answer: A
Rationale: IEP begins 3 months before birthday month
(March), includes birthday month (June), and ends 3
months after (September). Total 7 months: March 1 –
September 30.
,Page 2 of 196
2. Which statement about Part A premium-free eligibility is
correct?
A. All beneficiaries aged 65+ automatically get premium-
free Part A.
B. 40 quarters of Medicare-covered employment are
required.
C. 30 quarters of employment plus spouse’s 10 quarters.
D. ESRD patients never pay Part A premium.
Answer: B
Rationale: 40 quarters (10 years) of work history required
for premium-free Part A. Option A false; Option C
insufficient; Option D false – ESRD patients may pay if
lacking work credits.
3. (Scenario) Mrs. Lee, age 68, has Part A only. She wants
Part B. When can she enroll?
,Page 3 of 196
A. Only during AEP (Oct 15 – Dec 7).
B. Any time with penalty.
C. General Enrollment Period (Jan 1 – Mar 31) with possible
penalty.
D. She cannot enroll after age 65.
Answer: C
Rationale: GEP is Jan 1 – Mar 31 for those who missed IEP.
Part B late penalty applies (10% per 12-month period
without coverage).
4. What is the Part B late enrollment penalty for 2026?
A. 5% per year without coverage, added permanently.
B. 10% per 12-month period without coverage, added
permanently.
C. 15% one-time fee.
D. No penalty if enrolling during GEP.
, Page 4 of 196
Answer: B
Rationale: 10% per full 12-month period eligible but not
enrolled, added to monthly premium for life.
5. Which of the following trigger a Special Enrollment Period
(SEP) for Part B? (Select 3)
A. Moving to a new state.
B. Losing employer group health coverage.
C. Becoming eligible for Medicaid.
D. Turning 65.
E. Voluntarily dropping employer coverage.
Answers: A, B, C
Rationale: A – move SEP (2 months after move). B – loss of
employer coverage SEP (6 months). C – Medicaid SEP (any
time). D – IEP, not SEP. E – voluntary drop without loss of
other coverage does not qualify.
