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CERTIFIED ENROLLER EXAM - COVERED
CALIFORNIA NEWEST 2025/2026 COMPLETE 150
QUESTIONS AND CORRECT ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+||LATEST EXAM
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
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- 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.
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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
, 4|Page
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.
CERTIFIED ENROLLER EXAM - COVERED
CALIFORNIA NEWEST 2025/2026 COMPLETE 150
QUESTIONS AND CORRECT ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+||LATEST EXAM
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
,2|Page
- 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.
,3|Page
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
, 4|Page
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.
