PY 2025 Pennie Individual Marketplace Training for New
Agents and Brokers Ques ons and answers Newest
RATED A+ 2025/2026 UPDATED
What were the main goals of Act 42 of 2019, the legisla on which allowed the crea on of an
insurance marketplace for the state of Pennsyvanina?
a) Transac on from the federal exchange (Healthcare.gov) and set up a state-based exchange b)
Reduce service and opera onal costs c) Launch a reinsurance program to increase savings for
families d ) all of the above - Ans d ) all of the above
Deduc bles, copayments, coinsurance, and out-of-pocket limits are all examples of:
a) penal es b) essen al health benefits c) cost sharing d) all of the above - Ans c) cost sharing
What were some of the goals of the Affordable Care Act (ACA) healthcare reform law enacted
in 2010?
a) make heallth insurance more affordable for more people b) ensure people cannot be denied
coverage because of - or charged more for - pre-exis ng condi ons c) establish a list of essen al
health benefits (EHB) insurers must cover d) all of the above - Ans d) all of the above
All medical plans offered thru Pennie cons tute Minimum Essen al Coverage (MEC)
True or False - Ans True
, The Infla on Reduc on Act (IRA) signed into law in 2022, extends the premium subsidies
created by the American Rescue Plan Act (ARPA) from 2022 through what year? a) 2023 b) 2024
c) 2025 d) 2026 - Ans c) 2025
Both Exchange Assisters and Brokers can help a customer complete an applica on through
Pennie and recommend a plan that would best fit their personal needs.
a) true b) false - Ans b) false
To meet the requirements of the Pennsylvania Navigator and Exchange Assister Accessibility
and Regula on Act, an Assister must adhere to all of the following except a) reside in the
Commonwealth b) maintain appointments with all insurers on the Exchange c) register with the
Pennsylvania Insurance Department (PID) d) avoid engaging in ac vi es which could be
considered conflicts of interest - Ans b) maintain appointments with all insurers on the
Exchange
customers seeking assistance can use which of the following methods to be connected to a
broker or assister? a) pennie customer service 844-844-8040 b) pennie chat feature c) pennie
"get help" tool d) all of the above - Ans d) all of the above
only brokers or assisters can ini ate the process to appoint an agent of Record/Authorized
Representa ve. True or False - Ans False
When dealing with a frustrated or emo onal customer, you should not: a) commiserate or
agree with the customer's claim that the law or a par cular process is unfair b) show empathy,
but maintain professionalism c) acknowledge their frustra on or feelings d) reassure them that
you are here to help - Ans a) commiserate or agree with the customer's claim that the law or a
par cular process is unfair
As a sole, licensed and self-employment independent agent, which account type should you
choose? a) agent b) agency manager c) assister d) en ty manager - Ans b) agency manager
Agents and Brokers Ques ons and answers Newest
RATED A+ 2025/2026 UPDATED
What were the main goals of Act 42 of 2019, the legisla on which allowed the crea on of an
insurance marketplace for the state of Pennsyvanina?
a) Transac on from the federal exchange (Healthcare.gov) and set up a state-based exchange b)
Reduce service and opera onal costs c) Launch a reinsurance program to increase savings for
families d ) all of the above - Ans d ) all of the above
Deduc bles, copayments, coinsurance, and out-of-pocket limits are all examples of:
a) penal es b) essen al health benefits c) cost sharing d) all of the above - Ans c) cost sharing
What were some of the goals of the Affordable Care Act (ACA) healthcare reform law enacted
in 2010?
a) make heallth insurance more affordable for more people b) ensure people cannot be denied
coverage because of - or charged more for - pre-exis ng condi ons c) establish a list of essen al
health benefits (EHB) insurers must cover d) all of the above - Ans d) all of the above
All medical plans offered thru Pennie cons tute Minimum Essen al Coverage (MEC)
True or False - Ans True
, The Infla on Reduc on Act (IRA) signed into law in 2022, extends the premium subsidies
created by the American Rescue Plan Act (ARPA) from 2022 through what year? a) 2023 b) 2024
c) 2025 d) 2026 - Ans c) 2025
Both Exchange Assisters and Brokers can help a customer complete an applica on through
Pennie and recommend a plan that would best fit their personal needs.
a) true b) false - Ans b) false
To meet the requirements of the Pennsylvania Navigator and Exchange Assister Accessibility
and Regula on Act, an Assister must adhere to all of the following except a) reside in the
Commonwealth b) maintain appointments with all insurers on the Exchange c) register with the
Pennsylvania Insurance Department (PID) d) avoid engaging in ac vi es which could be
considered conflicts of interest - Ans b) maintain appointments with all insurers on the
Exchange
customers seeking assistance can use which of the following methods to be connected to a
broker or assister? a) pennie customer service 844-844-8040 b) pennie chat feature c) pennie
"get help" tool d) all of the above - Ans d) all of the above
only brokers or assisters can ini ate the process to appoint an agent of Record/Authorized
Representa ve. True or False - Ans False
When dealing with a frustrated or emo onal customer, you should not: a) commiserate or
agree with the customer's claim that the law or a par cular process is unfair b) show empathy,
but maintain professionalism c) acknowledge their frustra on or feelings d) reassure them that
you are here to help - Ans a) commiserate or agree with the customer's claim that the law or a
par cular process is unfair
As a sole, licensed and self-employment independent agent, which account type should you
choose? a) agent b) agency manager c) assister d) en ty manager - Ans b) agency manager
