Certified Enroller Exam Actual Exam 2025 (California)
| Complete Questions and Correct Answers | Graded
A+ | Verified Answers | Brand New Version!
The ACA requires employers with FTE (Full-Time Equivalent) employees to offer
coverage with a minimum of ____________? - (ANSWER)50 or more FTE
employees
Which state became the first state in the nation to enact legislation to establish a
health insurance marketplace after the passage of the ACA? - (ANSWER)California
Can individuals still be penalized when they file their federal tax returns for failing
to have MEC (Minimum Essential Coverage)? - (ANSWER)You will not be
penalized by the federal government, BUT can be through the state of California.
What is the eligibility criteria for consumers in a QHP (Qualified Health Plan)
through Covered CA include: - (ANSWER)- Be a citizen or national of US or a non-
citizen who is lawfully present in the US
- Be a resident (or intend to be a resident) of CA and
- Not incarcerated (other than incarceration pending the disposition or judgement
of charges)
Do agents have to have a license with the California Department of Insurance
before they begin selling insurance? - (ANSWER)Yes, additionally they must also
become certified with Covered California
,Certified Insurance Agents (CIA) earn and are paid commissions for effectuated
enrollments with: - (ANSWER)- Individual and Family Plans: commissions are paid
by Covered CA Qualified Health and Dental Plans
- Covered CA for Small business (CCSB): commissions are paid by CCSB
Certified Application Counselor (CAC) provide in-person consumer enrollment
assistance and are largely represented by CBOs (Community Based
Organizations). - (ANSWER)These enrollment partners ARE NOT compensated by
Covered CA.
Navigator Grant Program- CEC (Certified Enrollment Counselor) -
(ANSWER)Provides outreach, education, enrollment assistance, and post-
enrollment services to consumers on behalf of Covered CA
What is considered SEP (Special Enrollment Period)? - (ANSWER)Qualifying life
events such as birth or adoptions, marriage, moving to or within California, or loss
of MEC (Minimum Essential Coverage)
To ensure that consumer assistance is accessible to people with disabilities: -
(ANSWER)-Provide enrollment resources, websites, and tools that are accessible
to individuals with disabilities
- Provide assistance in a location and manner that is physically and otherwise
accessible
- Maintain knowledge to refer people with disabilities to long-term services and
support programs when appropriate
, What age can children remain on their parent's health insurance plan? -
(ANSWER)Until they reach age 26
What are not subject to copayments, coinsurance, or deductibles? - (ANSWER)-
Preventative care, vaccinations, and medical screenings
- Mammograms and colonoscopies
- Wellness visits
- Gestational diabetes screening
- Additional preventative care and screenings are available to women
- Approved contraceptive methods
What is the difference between metal tiers? - (ANSWER)- Platinum-level plans
cover 90 percent of health care costs, and you pay 10 percent
- Gold plans cover 80 percent, while you pay 20 percent
- Silver plans cover 70 percent, while you pay 30 percent
- Bronze plans cover 60 percent, while you pay 40 percent.
What is a premium? - (ANSWER)The amount a consumer must pay their health or
dental plan, usually paid on a monthly basis.
What is a deductible? - (ANSWER)The amount the member pays for the covered
health care services they recieve before the health insurance plan begins to pay
its portion of the costs.
| Complete Questions and Correct Answers | Graded
A+ | Verified Answers | Brand New Version!
The ACA requires employers with FTE (Full-Time Equivalent) employees to offer
coverage with a minimum of ____________? - (ANSWER)50 or more FTE
employees
Which state became the first state in the nation to enact legislation to establish a
health insurance marketplace after the passage of the ACA? - (ANSWER)California
Can individuals still be penalized when they file their federal tax returns for failing
to have MEC (Minimum Essential Coverage)? - (ANSWER)You will not be
penalized by the federal government, BUT can be through the state of California.
What is the eligibility criteria for consumers in a QHP (Qualified Health Plan)
through Covered CA include: - (ANSWER)- Be a citizen or national of US or a non-
citizen who is lawfully present in the US
- Be a resident (or intend to be a resident) of CA and
- Not incarcerated (other than incarceration pending the disposition or judgement
of charges)
Do agents have to have a license with the California Department of Insurance
before they begin selling insurance? - (ANSWER)Yes, additionally they must also
become certified with Covered California
,Certified Insurance Agents (CIA) earn and are paid commissions for effectuated
enrollments with: - (ANSWER)- Individual and Family Plans: commissions are paid
by Covered CA Qualified Health and Dental Plans
- Covered CA for Small business (CCSB): commissions are paid by CCSB
Certified Application Counselor (CAC) provide in-person consumer enrollment
assistance and are largely represented by CBOs (Community Based
Organizations). - (ANSWER)These enrollment partners ARE NOT compensated by
Covered CA.
Navigator Grant Program- CEC (Certified Enrollment Counselor) -
(ANSWER)Provides outreach, education, enrollment assistance, and post-
enrollment services to consumers on behalf of Covered CA
What is considered SEP (Special Enrollment Period)? - (ANSWER)Qualifying life
events such as birth or adoptions, marriage, moving to or within California, or loss
of MEC (Minimum Essential Coverage)
To ensure that consumer assistance is accessible to people with disabilities: -
(ANSWER)-Provide enrollment resources, websites, and tools that are accessible
to individuals with disabilities
- Provide assistance in a location and manner that is physically and otherwise
accessible
- Maintain knowledge to refer people with disabilities to long-term services and
support programs when appropriate
, What age can children remain on their parent's health insurance plan? -
(ANSWER)Until they reach age 26
What are not subject to copayments, coinsurance, or deductibles? - (ANSWER)-
Preventative care, vaccinations, and medical screenings
- Mammograms and colonoscopies
- Wellness visits
- Gestational diabetes screening
- Additional preventative care and screenings are available to women
- Approved contraceptive methods
What is the difference between metal tiers? - (ANSWER)- Platinum-level plans
cover 90 percent of health care costs, and you pay 10 percent
- Gold plans cover 80 percent, while you pay 20 percent
- Silver plans cover 70 percent, while you pay 30 percent
- Bronze plans cover 60 percent, while you pay 40 percent.
What is a premium? - (ANSWER)The amount a consumer must pay their health or
dental plan, usually paid on a monthly basis.
What is a deductible? - (ANSWER)The amount the member pays for the covered
health care services they recieve before the health insurance plan begins to pay
its portion of the costs.
