Indiana Department of Insurance (IDOI)
Indiana Navigator EXAM
2026/2027 | Verified Questions
Indiana Department of Insurance (IDOI) Certification
| University-Level Health Coverage Professionals
60 Verified Questions | 3 Core Domains | Academic Year 2026/2027
Prepared by
Indiana Department of Insurance (IDOI) | IN-NAV | Indiana Navigator
Certification
Comprehensive Certification Exam Actual Exam | Academic Year
2026/2027
Indiana Navigator EXAM 2026/2027 | Verified Questions
,INTRODUCTION
This document presents 60 original questions organized into three core domains:
Domain 1, Consumer Assistance Basics (20 questions); Domain 2, Indiana Health
Coverage Programs (20 questions); and Domain 3, Health Insurance Basics and the
Federally Marketplace (20 questions). Every item is written to reinforce the official
Indiana Navigator Certification Comprehensive Certification Exam course objectives for
the Academic Year 2026/2027, building actual exam readiness and statistical proficiency
across consumer assistance, Indiana coverage programs, and Marketplace fundamentals.
Each question is paired with a rationale that explains the correct answer through the
course curriculum and foundational health coverage methodology, and the document
closes with an answer key, a domain score tracker, and references.
ACTUAL QUESTIONS
Domain 1: Consumer Assistance Basics
Question 1. What is the primary function of a Navigator serving Indiana
consumers on the Federally Facilitated Marketplace?
A) Issuing final eligibility determinations for the Marketplace
B) Collecting premium payments for insurers
C) Providing free, impartial assistance with Marketplace applications and
enrollment
D) Selling qualified health plans for commission
Correct Answer: C
Rationale: Under federal assister standards, Navigators provide fair, accurate,
and impartial assistance with applications, enrollment, and renewals at no cost.
Selling plans, making eligibility determinations, and collecting premiums fall
outside Navigator duties; those functions belong to licensed producers, the
Marketplace, and insurers.
Question 2. Before carrying out consumer assistance functions, a federally
certified Navigator must:
A) Hold a securities license
B) Work for an insurance issuer for one year
C) Pass a state bar examination
D) Finish at least 20 hours of HHS-developed training and pass the online
certification exam
Correct Answer: D
Rationale: CMS requires Navigator personnel to finish at least 20 hours of HHS-
developed training and pass an online certification exam before assisting
consumers, with annual recertification thereafter. Licensing in securities, issuer
employment, or law is not part of Navigator certification.
Indiana Navigator EXAM 2026/2027 | Verified Questions
, Question 3. Which statement about Navigator certification in Indiana is
correct?
A) Federal Navigators serving Indiana must also finish the Indiana Navigator
certification process with IDOI
B) Federal certification is waived in Indiana
C) Only licensed insurance agents need certification
D) Certification is voluntary for grant-funded staff
Correct Answer: A
Rationale: Indiana law and 760 IAC 4-8 require anyone who helps consumers
with Marketplace or Indiana coverage program applications to be certified as an
Indiana Navigator. Federal Navigators serving Indiana must finish the IDOI
certification process in addition to federal requirements.
Question 4. The Indiana Navigator certification examination covers:
A) Medicare billing rules only
B) Investment portfolio management
C) The functions of the federal Health Insurance Marketplace and the duties and
responsibilities of Indiana Navigators
D) Insurance rate-making formulas only
Correct Answer: C
Rationale: Under IC 27-19-4-11(c) and 760 IAC 4-8, precertification education
and the Indiana Navigator certification examination cover the functions of the
federal Health Insurance Marketplace (HealthCare.gov) and the duties and
responsibilities of Indiana Navigators.
Question 5. Indiana Navigator certification applies to individuals who assist
consumers with:
A) Life insurance policies only
B) Marketplace applications at HealthCare.gov and Indiana health coverage
program applications such as Medicaid, CHIP, and HIP 2.0
C) Employer group claims only
D) Medicare Part D enrollment only
Correct Answer: B
Rationale: IDOI guidance confirms that Indiana Navigator certification applies
to any individual who helps consumers fill out federal Marketplace applications
at HealthCare.gov or Indiana program applications for Medicaid, CHIP, or HIP
2.0 through the state benefits portal.
Question 6. A federally funded Navigator in Indiana:
A) Earns commissions from each enrollment
B) Is paid by the county government
C) Is forbidden from receiving additional compensation and must not charge
consumers
D) May charge consumers a consulting fee
Correct Answer: C
Rationale: Federal Navigators are funded through grants from the U.S.
Department of Health and Human Services and are prohibited from receiving
Indiana Navigator EXAM 2026/2027 | Verified Questions
Indiana Navigator EXAM
2026/2027 | Verified Questions
Indiana Department of Insurance (IDOI) Certification
| University-Level Health Coverage Professionals
60 Verified Questions | 3 Core Domains | Academic Year 2026/2027
Prepared by
Indiana Department of Insurance (IDOI) | IN-NAV | Indiana Navigator
Certification
Comprehensive Certification Exam Actual Exam | Academic Year
2026/2027
Indiana Navigator EXAM 2026/2027 | Verified Questions
,INTRODUCTION
This document presents 60 original questions organized into three core domains:
Domain 1, Consumer Assistance Basics (20 questions); Domain 2, Indiana Health
Coverage Programs (20 questions); and Domain 3, Health Insurance Basics and the
Federally Marketplace (20 questions). Every item is written to reinforce the official
Indiana Navigator Certification Comprehensive Certification Exam course objectives for
the Academic Year 2026/2027, building actual exam readiness and statistical proficiency
across consumer assistance, Indiana coverage programs, and Marketplace fundamentals.
Each question is paired with a rationale that explains the correct answer through the
course curriculum and foundational health coverage methodology, and the document
closes with an answer key, a domain score tracker, and references.
ACTUAL QUESTIONS
Domain 1: Consumer Assistance Basics
Question 1. What is the primary function of a Navigator serving Indiana
consumers on the Federally Facilitated Marketplace?
A) Issuing final eligibility determinations for the Marketplace
B) Collecting premium payments for insurers
C) Providing free, impartial assistance with Marketplace applications and
enrollment
D) Selling qualified health plans for commission
Correct Answer: C
Rationale: Under federal assister standards, Navigators provide fair, accurate,
and impartial assistance with applications, enrollment, and renewals at no cost.
Selling plans, making eligibility determinations, and collecting premiums fall
outside Navigator duties; those functions belong to licensed producers, the
Marketplace, and insurers.
Question 2. Before carrying out consumer assistance functions, a federally
certified Navigator must:
A) Hold a securities license
B) Work for an insurance issuer for one year
C) Pass a state bar examination
D) Finish at least 20 hours of HHS-developed training and pass the online
certification exam
Correct Answer: D
Rationale: CMS requires Navigator personnel to finish at least 20 hours of HHS-
developed training and pass an online certification exam before assisting
consumers, with annual recertification thereafter. Licensing in securities, issuer
employment, or law is not part of Navigator certification.
Indiana Navigator EXAM 2026/2027 | Verified Questions
, Question 3. Which statement about Navigator certification in Indiana is
correct?
A) Federal Navigators serving Indiana must also finish the Indiana Navigator
certification process with IDOI
B) Federal certification is waived in Indiana
C) Only licensed insurance agents need certification
D) Certification is voluntary for grant-funded staff
Correct Answer: A
Rationale: Indiana law and 760 IAC 4-8 require anyone who helps consumers
with Marketplace or Indiana coverage program applications to be certified as an
Indiana Navigator. Federal Navigators serving Indiana must finish the IDOI
certification process in addition to federal requirements.
Question 4. The Indiana Navigator certification examination covers:
A) Medicare billing rules only
B) Investment portfolio management
C) The functions of the federal Health Insurance Marketplace and the duties and
responsibilities of Indiana Navigators
D) Insurance rate-making formulas only
Correct Answer: C
Rationale: Under IC 27-19-4-11(c) and 760 IAC 4-8, precertification education
and the Indiana Navigator certification examination cover the functions of the
federal Health Insurance Marketplace (HealthCare.gov) and the duties and
responsibilities of Indiana Navigators.
Question 5. Indiana Navigator certification applies to individuals who assist
consumers with:
A) Life insurance policies only
B) Marketplace applications at HealthCare.gov and Indiana health coverage
program applications such as Medicaid, CHIP, and HIP 2.0
C) Employer group claims only
D) Medicare Part D enrollment only
Correct Answer: B
Rationale: IDOI guidance confirms that Indiana Navigator certification applies
to any individual who helps consumers fill out federal Marketplace applications
at HealthCare.gov or Indiana program applications for Medicaid, CHIP, or HIP
2.0 through the state benefits portal.
Question 6. A federally funded Navigator in Indiana:
A) Earns commissions from each enrollment
B) Is paid by the county government
C) Is forbidden from receiving additional compensation and must not charge
consumers
D) May charge consumers a consulting fee
Correct Answer: C
Rationale: Federal Navigators are funded through grants from the U.S.
Department of Health and Human Services and are prohibited from receiving
Indiana Navigator EXAM 2026/2027 | Verified Questions
