AHIP Nondiscrimination Training — Exam
Questions with Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A Instant
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Question 1
Which federal law is the primary focus of AHIP’s
Nondiscrimination Training concerning discrimination in certain
health programs and activities?
A. The Health Insurance Portability and Accountability Act
(HIPAA)
B. The Employee Retirement Income Security Act (ERISA)
C. Section 1557 of the Affordable Care Act (ACA)
D. The Emergency Medical Treatment and Labor Act (EMTALA)
Rationale: Section 1557 of the ACA is the central
nondiscrimination provision addressed in the training. It applies
civil-rights protections to certain health programs and activities
and incorporates protections involving characteristics such as
race, color, national origin, sex, disability, and age. The provision
is particularly important to health plans and other covered
entities because discriminatory practices can result in significant
compliance consequences.
,Question 2
What is the fundamental purpose of Section 1557?
A. To regulate Medicare premiums
B. To establish Medicare enrollment periods
C. To prohibit discrimination in certain health programs and
activities
D. To determine physician reimbursement rates
Rationale: Section 1557 is designed to prevent discrimination in
covered health programs and activities. It does not establish
Medicare premiums or enrollment periods. Its purpose is to
build upon existing federal civil-rights protections and apply
them in the health-care context.
Question 3
Which characteristic is specifically protected from
discrimination under Section 1557?
A. Political party affiliation
B. Personal investment preferences
C. Race
D. Preferred insurance company
,Rationale: Race is one of the protected characteristics
addressed by Section 1557. Covered entities generally may not
discriminate on prohibited grounds when providing covered
health services, benefits, or activities. Political preferences and
insurance-company preferences are not protected
characteristics under Section 1557 itself.
Question 4
Which combination best represents major protected
characteristics addressed by Section 1557?
A. Income, occupation, credit score, and education
B. Race, color, national origin, sex, disability, and age
C. Home ownership, marital assets, and employment history
D. Political affiliation, voting history, and investment strategy
Rationale: Section 1557 incorporates several longstanding
federal civil-rights protections into covered health programs and
activities. The AHIP training specifically emphasizes race, color,
national origin, sex, disability, and age. The purpose is to ensure
that eligibility, access, treatment, communication, and other
covered activities are not unlawfully discriminatory.
Question 5
, A health plan treats two similarly situated applicants differently
solely because one applicant is of a particular race. What is the
primary compliance concern?
A. Marketing segmentation
B. Risk adjustment
C. Race discrimination
D. Permissible underwriting
Rationale: Treating otherwise similarly situated individuals
differently because of race can constitute prohibited
discrimination. A covered entity cannot use race as an unlawful
basis for denying or restricting access to covered health
programs or activities. The appropriate approach is to apply
legitimate eligibility and coverage criteria consistently.
Question 6
Which statement best describes discrimination based on color?
A. It concerns only the color of a person's clothing.
B. It concerns only a person's citizenship.
C. It can involve discrimination based on a person's skin
complexion or color.
D. It is permitted whenever a plan uses demographic
information.
Questions with Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A Instant
Download PDF
Question 1
Which federal law is the primary focus of AHIP’s
Nondiscrimination Training concerning discrimination in certain
health programs and activities?
A. The Health Insurance Portability and Accountability Act
(HIPAA)
B. The Employee Retirement Income Security Act (ERISA)
C. Section 1557 of the Affordable Care Act (ACA)
D. The Emergency Medical Treatment and Labor Act (EMTALA)
Rationale: Section 1557 of the ACA is the central
nondiscrimination provision addressed in the training. It applies
civil-rights protections to certain health programs and activities
and incorporates protections involving characteristics such as
race, color, national origin, sex, disability, and age. The provision
is particularly important to health plans and other covered
entities because discriminatory practices can result in significant
compliance consequences.
,Question 2
What is the fundamental purpose of Section 1557?
A. To regulate Medicare premiums
B. To establish Medicare enrollment periods
C. To prohibit discrimination in certain health programs and
activities
D. To determine physician reimbursement rates
Rationale: Section 1557 is designed to prevent discrimination in
covered health programs and activities. It does not establish
Medicare premiums or enrollment periods. Its purpose is to
build upon existing federal civil-rights protections and apply
them in the health-care context.
Question 3
Which characteristic is specifically protected from
discrimination under Section 1557?
A. Political party affiliation
B. Personal investment preferences
C. Race
D. Preferred insurance company
,Rationale: Race is one of the protected characteristics
addressed by Section 1557. Covered entities generally may not
discriminate on prohibited grounds when providing covered
health services, benefits, or activities. Political preferences and
insurance-company preferences are not protected
characteristics under Section 1557 itself.
Question 4
Which combination best represents major protected
characteristics addressed by Section 1557?
A. Income, occupation, credit score, and education
B. Race, color, national origin, sex, disability, and age
C. Home ownership, marital assets, and employment history
D. Political affiliation, voting history, and investment strategy
Rationale: Section 1557 incorporates several longstanding
federal civil-rights protections into covered health programs and
activities. The AHIP training specifically emphasizes race, color,
national origin, sex, disability, and age. The purpose is to ensure
that eligibility, access, treatment, communication, and other
covered activities are not unlawfully discriminatory.
Question 5
, A health plan treats two similarly situated applicants differently
solely because one applicant is of a particular race. What is the
primary compliance concern?
A. Marketing segmentation
B. Risk adjustment
C. Race discrimination
D. Permissible underwriting
Rationale: Treating otherwise similarly situated individuals
differently because of race can constitute prohibited
discrimination. A covered entity cannot use race as an unlawful
basis for denying or restricting access to covered health
programs or activities. The appropriate approach is to apply
legitimate eligibility and coverage criteria consistently.
Question 6
Which statement best describes discrimination based on color?
A. It concerns only the color of a person's clothing.
B. It concerns only a person's citizenship.
C. It can involve discrimination based on a person's skin
complexion or color.
D. It is permitted whenever a plan uses demographic
information.
