PY 2026 Pennie Individual
Marketplace Training for New
Agents and Brokers-Questions
with Correct Answers/Verified
Course
Classroom
1. What is Pennie?
A. Pennsylvania’s Medicaid-only program
B. Pennsylvania’s official health insurance marketplace created under the Affordable Care Act
C. A private insurance company
D. A hospital network
Answer: B. Pennsylvania’s official health insurance marketplace created under the Affordable
Care Act
Solution:
Pennie is Pennsylvania’s state-based marketplace where individuals and families can compare
and enroll in qualified health plans (QHPs).
2. What is the primary role of a Pennie-certified agent or broker?
A. Choose a plan for consumers
B. Assist consumers with comparing options and enrolling in coverage
C. Determine medical diagnoses
D. Approve insurance claims
Answer: B. Assist consumers with comparing options and enrolling in coverage
Solution:
Agents and brokers help consumers understand choices, complete applications, and enroll while
following marketplace rules.
,3. Which law created health insurance marketplaces like Pennie?
A. HIPAA
B. Affordable Care Act (ACA)
C. EMTALA
D. COBRA
Answer: B. Affordable Care Act (ACA)
Solution:
The ACA established Health Insurance Marketplaces to make affordable health coverage
available to eligible individuals and families.
4. Who can generally enroll through Pennie?
A. Individuals and families seeking individual health coverage
B. Only Medicare beneficiaries
C. Only employers
D. Only hospitals
Answer: A. Individuals and families seeking individual health coverage
Solution:
Pennie serves individuals and families who need coverage outside employer-sponsored plans or
government programs.
5. What is a Qualified Health Plan (QHP)?
A. A health plan certified by the marketplace that meets ACA requirements
B. Any insurance plan sold online
C. A dental-only plan
D. A temporary insurance policy
Answer: A. A health plan certified by the marketplace that meets ACA requirements
Solution:
QHPs must meet ACA standards, including essential health benefits and consumer protections.
,6. What are Advance Premium Tax Credits (APTC)?
A. Tax penalties for consumers
B. Financial assistance that lowers monthly insurance premiums
C. Employer contributions
D. Hospital discounts
Answer: B. Financial assistance that lowers monthly insurance premiums
Solution:
Eligible consumers may receive APTC to reduce their monthly marketplace premium costs.
7. What determines eligibility for marketplace financial assistance?
A. Favorite healthcare provider
B. Household income and household size
C. Vehicle ownership
D. Employment history only
Answer: B. Household income and household size
Solution:
Premium tax credits and cost-sharing reductions are based mainly on household income and
family information.
8. What is a Special Enrollment Period (SEP)?
A. A time outside Open Enrollment when eligible consumers can enroll due to qualifying events
B. A mandatory annual fee
C. A provider contract
D. A Medicare-only enrollment period
Answer: A. A time outside Open Enrollment when eligible consumers can enroll due to
qualifying events
, Solution:
Life events such as marriage, birth, loss of coverage, or relocation may qualify someone for SEP
enrollment.
9. Which event may qualify someone for a Special Enrollment Period?
A. Losing employer-sponsored health coverage
B. Buying a new vehicle
C. Changing jobs without losing coverage
D. Taking a vacation
Answer: A. Losing employer-sponsored health coverage
Solution:
Loss of minimum essential coverage is a qualifying life event.
10. What information must an agent verify during an application?
A. Consumer eligibility and application details
B. Social media accounts
C. Personal preferences only
D. Credit score
Answer: A. Consumer eligibility and application details
Solution:
Accurate information is necessary to determine eligibility and enrollment options.
11. What are Essential Health Benefits (EHBs)?
A. Required categories of healthcare services covered by ACA plans
B. Optional services only
C. Cosmetic procedures
D. Employer benefits
Marketplace Training for New
Agents and Brokers-Questions
with Correct Answers/Verified
Course
Classroom
1. What is Pennie?
A. Pennsylvania’s Medicaid-only program
B. Pennsylvania’s official health insurance marketplace created under the Affordable Care Act
C. A private insurance company
D. A hospital network
Answer: B. Pennsylvania’s official health insurance marketplace created under the Affordable
Care Act
Solution:
Pennie is Pennsylvania’s state-based marketplace where individuals and families can compare
and enroll in qualified health plans (QHPs).
2. What is the primary role of a Pennie-certified agent or broker?
A. Choose a plan for consumers
B. Assist consumers with comparing options and enrolling in coverage
C. Determine medical diagnoses
D. Approve insurance claims
Answer: B. Assist consumers with comparing options and enrolling in coverage
Solution:
Agents and brokers help consumers understand choices, complete applications, and enroll while
following marketplace rules.
,3. Which law created health insurance marketplaces like Pennie?
A. HIPAA
B. Affordable Care Act (ACA)
C. EMTALA
D. COBRA
Answer: B. Affordable Care Act (ACA)
Solution:
The ACA established Health Insurance Marketplaces to make affordable health coverage
available to eligible individuals and families.
4. Who can generally enroll through Pennie?
A. Individuals and families seeking individual health coverage
B. Only Medicare beneficiaries
C. Only employers
D. Only hospitals
Answer: A. Individuals and families seeking individual health coverage
Solution:
Pennie serves individuals and families who need coverage outside employer-sponsored plans or
government programs.
5. What is a Qualified Health Plan (QHP)?
A. A health plan certified by the marketplace that meets ACA requirements
B. Any insurance plan sold online
C. A dental-only plan
D. A temporary insurance policy
Answer: A. A health plan certified by the marketplace that meets ACA requirements
Solution:
QHPs must meet ACA standards, including essential health benefits and consumer protections.
,6. What are Advance Premium Tax Credits (APTC)?
A. Tax penalties for consumers
B. Financial assistance that lowers monthly insurance premiums
C. Employer contributions
D. Hospital discounts
Answer: B. Financial assistance that lowers monthly insurance premiums
Solution:
Eligible consumers may receive APTC to reduce their monthly marketplace premium costs.
7. What determines eligibility for marketplace financial assistance?
A. Favorite healthcare provider
B. Household income and household size
C. Vehicle ownership
D. Employment history only
Answer: B. Household income and household size
Solution:
Premium tax credits and cost-sharing reductions are based mainly on household income and
family information.
8. What is a Special Enrollment Period (SEP)?
A. A time outside Open Enrollment when eligible consumers can enroll due to qualifying events
B. A mandatory annual fee
C. A provider contract
D. A Medicare-only enrollment period
Answer: A. A time outside Open Enrollment when eligible consumers can enroll due to
qualifying events
, Solution:
Life events such as marriage, birth, loss of coverage, or relocation may qualify someone for SEP
enrollment.
9. Which event may qualify someone for a Special Enrollment Period?
A. Losing employer-sponsored health coverage
B. Buying a new vehicle
C. Changing jobs without losing coverage
D. Taking a vacation
Answer: A. Losing employer-sponsored health coverage
Solution:
Loss of minimum essential coverage is a qualifying life event.
10. What information must an agent verify during an application?
A. Consumer eligibility and application details
B. Social media accounts
C. Personal preferences only
D. Credit score
Answer: A. Consumer eligibility and application details
Solution:
Accurate information is necessary to determine eligibility and enrollment options.
11. What are Essential Health Benefits (EHBs)?
A. Required categories of healthcare services covered by ACA plans
B. Optional services only
C. Cosmetic procedures
D. Employer benefits
