Page 1 of 78
INDIANA NAVIGATOR CERTIFICATION (INC) FINAL EXAM QUESTIONS
WITH DETAILED- VERIFIED ANSWERS- ALREADY GRADED A+ ||
NEWEST EXAM 2025-2026
Health Insurance / Healthcare Administration / Public Health
Administration
Indiana Navigator Certification Exam. Covers Consumer Assistance Basics (IDOI, IC 27‑19,
conflicts, confidentiality, ethics); Indiana Health Coverage Programs (HIP 2.0, POWER
Account, Gateway to Work, Hoosier Healthwise, CHIP); ACA compliance (APTC, CSRs,
essential health benefits, special enrollment periods, nondiscrimination); and Application
Assistance Protocols
Health Insurance Navigation: -Public Health / Health Administration
Affordable Care Act (ACA) Compliance: - Health Policy & Law
Indiana Medicaid & HIP 2.0 : -State Health Programs / Social Work
Consumer Assistance & Ethics: -Professional Certification Training
Questions
Part 1 – Consumer Assistance Basics (Questions 1–60)
1. Under which federal law were Navigator programs established?
A. The Health Insurance Portability and Accountability Act (HIPAA)
B. The Affordable Care Act (ACA)
C. The Consolidated Omnibus Budget Reconciliation Act (COBRA)
D. The Medicare Modernization Act
Correct answer: B
Rationale: The Affordable Care Act (ACA), passed in 2010, created Federally-facilitated
Marketplaces and established Navigator programs to help consumers enroll in coverage.
, Page 2 of 78
This law also set the framework for consumer assistance programs across all states,
including Indiana.
2. Which federal agency oversees the Federally-facilitated Marketplace in Indiana?
A. The Department of Health and Human Services (HHS)
B. The Centers for Medicare and Medicaid Services (CMS)
C. The Indiana Department of Insurance (IDOI)
D. Both A and B are correct
Correct answer: D
Rationale: The Department of Health and Human Services (HHS) is the parent agency,
while the Centers for Medicare and Medicaid Services (CMS) directly manages
HealthCare.gov and federal marketplace operations. Both play key oversight roles in the
Federally-facilitated Marketplace.
3. Which of the following is a type of Federally-designated consumer assistant?
A. Federal Navigator
B. Certified Application Counselor (CAC)
C. Non-Navigator Assistance Personnel
D. All of the above
Correct answer: D
Rationale: The ACA established multiple types of consumer assisters, including Federal
Navigators, Certified Application Counselors (CACs), and non-navigator assistance
personnel. Each type has distinct training requirements and scopes of practice.
4. What is the primary role of a Federal Navigator?
A. To sell health insurance plans
B. To provide unbiased education and enrollment assistance for Marketplace coverage
C. To process claims for insurance companies
, Page 3 of 78
D. To enforce ACA compliance
Correct answer: B
Rationale: Federal Navigators are trained to provide free, unbiased help to consumers
exploring health coverage options through the Marketplace. They do not sell insurance or
receive commissions from insurers.
5. How do Indiana Navigators differ from Federal Navigators?
A. Indiana Navigators receive state funding, while Federal Navigators receive federal
funding
B. Federal Navigators receive state funding, whereas Indiana Navigators do not
C. Indiana Navigators are permitted to receive commissions; Federal Navigators are not
D. There is no difference between the two
Correct answer: B
Rationale: Federal Navigators operating in Indiana receive state funding, while Indiana
Navigators do not receive direct state funding for their services. This distinction affects
certain reporting and conflict of interest rules.
6. Which type of consumer assistant can receive commissions from insurance carriers?
A. Federal Navigators
B. Indiana Navigators
C. Agents and brokers (Producers)
D. Certified Application Counselors
Correct answer: C
Rationale: Licensed insurance agents and brokers (producers) can receive commissions
for enrolling consumers in health plans. Navigators and CACs must remain unbiased and
cannot accept compensation from insurance companies.
, Page 4 of 78
7. An individual or organization that helps consumers with Marketplace and Indiana Health
Coverage Program applications but is not a Navigator is called a(n):
A. Application Organization (AO)
B. Non-Navigator Assistance Personnel
C. Certified Application Counselor (CAC)
D. Producer
Correct answer: B
Rationale: Non-navigator assistance personnel are individuals who provide application
help but are not certified as Navigators. They must still follow applicable privacy and
conflict-of-interest rules.
8. Which Indiana law governs the certification of Navigators and registration of Application
Organizations?
A. IC 27-1
B. IC 27-19
C. IC 12-15
D. IC 4-21.5
Correct answer: B
Rationale: Indiana Code Title 27, Article 19 (IC 27-19) specifically addresses Health Benefit
Exchange Navigators and Application Organizations. This law establishes certification
requirements, duties, and oversight by the Indiana Department of Insurance.
9. What is the Indiana Administrative Code citation for rules governing Navigators and
Application Organizations?
A. 760 IAC 2
B. 760 IAC 4
C. 840 IAC 5
D. 470 IAC 3
INDIANA NAVIGATOR CERTIFICATION (INC) FINAL EXAM QUESTIONS
WITH DETAILED- VERIFIED ANSWERS- ALREADY GRADED A+ ||
NEWEST EXAM 2025-2026
Health Insurance / Healthcare Administration / Public Health
Administration
Indiana Navigator Certification Exam. Covers Consumer Assistance Basics (IDOI, IC 27‑19,
conflicts, confidentiality, ethics); Indiana Health Coverage Programs (HIP 2.0, POWER
Account, Gateway to Work, Hoosier Healthwise, CHIP); ACA compliance (APTC, CSRs,
essential health benefits, special enrollment periods, nondiscrimination); and Application
Assistance Protocols
Health Insurance Navigation: -Public Health / Health Administration
Affordable Care Act (ACA) Compliance: - Health Policy & Law
Indiana Medicaid & HIP 2.0 : -State Health Programs / Social Work
Consumer Assistance & Ethics: -Professional Certification Training
Questions
Part 1 – Consumer Assistance Basics (Questions 1–60)
1. Under which federal law were Navigator programs established?
A. The Health Insurance Portability and Accountability Act (HIPAA)
B. The Affordable Care Act (ACA)
C. The Consolidated Omnibus Budget Reconciliation Act (COBRA)
D. The Medicare Modernization Act
Correct answer: B
Rationale: The Affordable Care Act (ACA), passed in 2010, created Federally-facilitated
Marketplaces and established Navigator programs to help consumers enroll in coverage.
, Page 2 of 78
This law also set the framework for consumer assistance programs across all states,
including Indiana.
2. Which federal agency oversees the Federally-facilitated Marketplace in Indiana?
A. The Department of Health and Human Services (HHS)
B. The Centers for Medicare and Medicaid Services (CMS)
C. The Indiana Department of Insurance (IDOI)
D. Both A and B are correct
Correct answer: D
Rationale: The Department of Health and Human Services (HHS) is the parent agency,
while the Centers for Medicare and Medicaid Services (CMS) directly manages
HealthCare.gov and federal marketplace operations. Both play key oversight roles in the
Federally-facilitated Marketplace.
3. Which of the following is a type of Federally-designated consumer assistant?
A. Federal Navigator
B. Certified Application Counselor (CAC)
C. Non-Navigator Assistance Personnel
D. All of the above
Correct answer: D
Rationale: The ACA established multiple types of consumer assisters, including Federal
Navigators, Certified Application Counselors (CACs), and non-navigator assistance
personnel. Each type has distinct training requirements and scopes of practice.
4. What is the primary role of a Federal Navigator?
A. To sell health insurance plans
B. To provide unbiased education and enrollment assistance for Marketplace coverage
C. To process claims for insurance companies
, Page 3 of 78
D. To enforce ACA compliance
Correct answer: B
Rationale: Federal Navigators are trained to provide free, unbiased help to consumers
exploring health coverage options through the Marketplace. They do not sell insurance or
receive commissions from insurers.
5. How do Indiana Navigators differ from Federal Navigators?
A. Indiana Navigators receive state funding, while Federal Navigators receive federal
funding
B. Federal Navigators receive state funding, whereas Indiana Navigators do not
C. Indiana Navigators are permitted to receive commissions; Federal Navigators are not
D. There is no difference between the two
Correct answer: B
Rationale: Federal Navigators operating in Indiana receive state funding, while Indiana
Navigators do not receive direct state funding for their services. This distinction affects
certain reporting and conflict of interest rules.
6. Which type of consumer assistant can receive commissions from insurance carriers?
A. Federal Navigators
B. Indiana Navigators
C. Agents and brokers (Producers)
D. Certified Application Counselors
Correct answer: C
Rationale: Licensed insurance agents and brokers (producers) can receive commissions
for enrolling consumers in health plans. Navigators and CACs must remain unbiased and
cannot accept compensation from insurance companies.
, Page 4 of 78
7. An individual or organization that helps consumers with Marketplace and Indiana Health
Coverage Program applications but is not a Navigator is called a(n):
A. Application Organization (AO)
B. Non-Navigator Assistance Personnel
C. Certified Application Counselor (CAC)
D. Producer
Correct answer: B
Rationale: Non-navigator assistance personnel are individuals who provide application
help but are not certified as Navigators. They must still follow applicable privacy and
conflict-of-interest rules.
8. Which Indiana law governs the certification of Navigators and registration of Application
Organizations?
A. IC 27-1
B. IC 27-19
C. IC 12-15
D. IC 4-21.5
Correct answer: B
Rationale: Indiana Code Title 27, Article 19 (IC 27-19) specifically addresses Health Benefit
Exchange Navigators and Application Organizations. This law establishes certification
requirements, duties, and oversight by the Indiana Department of Insurance.
9. What is the Indiana Administrative Code citation for rules governing Navigators and
Application Organizations?
A. 760 IAC 2
B. 760 IAC 4
C. 840 IAC 5
D. 470 IAC 3
