2026 Individual Marketplace Exam for Returning Agents and Brokers
UPDATED ACTUAL Questions And Correct Answers
C
Terms in this set (20)
When must potential or confirmed breaches involving Within 24 hours
consumer personally identifiable information (PII) be
reported to CMS?
Within 3 business days
Within 24 hours
Only after internal investigation
Before Open Enrollment starts
Which of the following are required components of All of the above
consumer consent?
The name of the consumer
The name of the agent, broker, web-broker, or agency
The date consent was given
The process by which a consumer may rescind consent
A description of the scope, purpose, and duration of the
consent
All of the above
What is the maximum annual limitation on cost-sharing for $10,600
an individual in Plan Year 2026?
$8,450
$10,600
$3,500
$21,200
Which scenario would most likely generate an income The IRS reports the consumer has annual household income that is much higher
Data Matching Issue (DMI)? than the application's attested projected household income
A consumer submits documentation ahead of enrollment
The IRS reports the consumer has annual household
income that is much higher than the application's attested
projected household income
A consumer's income estimate exactly matches federal
income data
The consumer selects a catastrophic plan instead of a
bronze plan
Which of the following is now prohibited as an Essential Specified sex-trait modification procedures
Health Benefit (EHB) for non-grandfathered plans?
Preventive services
Maternity care
Specified sex-trait modification procedures
Pediatric dental and vision
, Which of the following are benefits of Individual ICHRAs offer predictable healthcare budgeting for employers
Coverage Health Reimbursement Arrangements ICHRAs enable employees to choose coverage that fits their individual needs
(ICHRAs) for employers and employees? (Select all that
apply)
ICHRAs allow employers to offer one group health plan
to all employees
ICHRAs offer predictable healthcare budgeting for
employers
ICHRAs enable employees to choose coverage that fits
their individual needs
ICHRAs eliminate the need for employers to contribute
to their employees' coverage
A consumer qualifies for a Qualified Health Plan (QHP) The issuer must renew the consumer's coverage, but the consumer should satisfy
but has past-due premiums with the same insurance past due premium debt
issuer. What is the correct guidance for the agent to
provide?
The consumer must only pay the first month's premium
(binder payment)
Past-due premiums are not required if applying during
Open Enrollment
The issuer must renew the consumer's coverage, but the
consumer should satisfy past due premium debt
The consumer can delay payment if the plan is selected
before the deadline
UPDATED ACTUAL Questions And Correct Answers
C
Terms in this set (20)
When must potential or confirmed breaches involving Within 24 hours
consumer personally identifiable information (PII) be
reported to CMS?
Within 3 business days
Within 24 hours
Only after internal investigation
Before Open Enrollment starts
Which of the following are required components of All of the above
consumer consent?
The name of the consumer
The name of the agent, broker, web-broker, or agency
The date consent was given
The process by which a consumer may rescind consent
A description of the scope, purpose, and duration of the
consent
All of the above
What is the maximum annual limitation on cost-sharing for $10,600
an individual in Plan Year 2026?
$8,450
$10,600
$3,500
$21,200
Which scenario would most likely generate an income The IRS reports the consumer has annual household income that is much higher
Data Matching Issue (DMI)? than the application's attested projected household income
A consumer submits documentation ahead of enrollment
The IRS reports the consumer has annual household
income that is much higher than the application's attested
projected household income
A consumer's income estimate exactly matches federal
income data
The consumer selects a catastrophic plan instead of a
bronze plan
Which of the following is now prohibited as an Essential Specified sex-trait modification procedures
Health Benefit (EHB) for non-grandfathered plans?
Preventive services
Maternity care
Specified sex-trait modification procedures
Pediatric dental and vision
, Which of the following are benefits of Individual ICHRAs offer predictable healthcare budgeting for employers
Coverage Health Reimbursement Arrangements ICHRAs enable employees to choose coverage that fits their individual needs
(ICHRAs) for employers and employees? (Select all that
apply)
ICHRAs allow employers to offer one group health plan
to all employees
ICHRAs offer predictable healthcare budgeting for
employers
ICHRAs enable employees to choose coverage that fits
their individual needs
ICHRAs eliminate the need for employers to contribute
to their employees' coverage
A consumer qualifies for a Qualified Health Plan (QHP) The issuer must renew the consumer's coverage, but the consumer should satisfy
but has past-due premiums with the same insurance past due premium debt
issuer. What is the correct guidance for the agent to
provide?
The consumer must only pay the first month's premium
(binder payment)
Past-due premiums are not required if applying during
Open Enrollment
The issuer must renew the consumer's coverage, but the
consumer should satisfy past due premium debt
The consumer can delay payment if the plan is selected
before the deadline
