INDIANA NAVIGATOR CERTIFICATION
EXAM STUDY GUIDE 2026/2027
(PRACTICE QUESTIONS & ANSWERS
BASED ON OFFICIAL IDOI OUTLINE)
GRADED A+
Q1: What are the four types of consumer assistants in
Indiana?
A:
1. Federal Navigator
2. Certified Application Counselor (CAC)
3. Non-Navigator Assistance Personnel
4. Producer (Agent and Broker)
Q2: What is the primary difference between a Federal
Navigator and a Certified Application Counselor (CAC)?
A: Federal Navigators receive federal funding and are required to
provide public education and outreach services. CACs do not
receive federal grant awards and are not required to provide
public education and outreach services to the same extent as
Federal Navigators.
,Q3: Can a Producer (agent/broker) also serve as an Indiana
Navigator?
A: No. Producers are prohibited from becoming Indiana
Navigators. They receive compensation from health insurance
carriers and are licensed to sell, solicit, or negotiate insurance
products.
Q4: What are the requirements to become a Federal
Navigator?
A: Complete federal training and certification; Organizations
complete federal registration.
Q5: What are the requirements to become an Indiana
Navigator?
A: Complete Indiana Navigator Certification; Organizations
complete Application Organization (AO) registration.
Q6: What is an Application Organization (AO)?
A: An entity that must be certified and registered with the state of
Indiana to assist Hoosiers with applications on the Federally-
, Facilitated Marketplace (FFM) and/or for Indiana Health Coverage
Programs (IHCP).
Q7: What are the initial AO registration steps?
A:
1. Complete online AO application and pay non-refundable
application fee and online processing fee
2. Review the Conflict of Interest (COI) policy and submit COI
Disclosure Form
3. Review and submit the AO Privacy and Security Agreement
4. Provide a contact list of each location of the AO including name,
address, phone, email, website, and main contact person
Q8: How many days does an AO have to complete renewal
after expiration?
A: 30 days following the expiration date.
Q9: What are the six steps for initial Indiana Navigator
certification?
A:
, 1. Complete online application and pay non-refundable application
fee
2. Submit criminal background check
3. Review Conflict of Interest policy and submit COI Disclosure form
4. Review and submit Privacy & Security Agreement
5. Complete Navigator precertification education
6. Pass Navigator certification exam
Q10: What prohibits someone from becoming an Indiana
Navigator?
A:
Suspended license for insurance agent or broker
Convicted of a disqualifying felony or other crime as determined
by the Commissioner of Insurance
Admission or conviction of unfair trade practice or fraud in the
insurance business
Unpaid state income tax or child support obligation
Q11: What is the process to renew a Navigator certification?
A:
Complete 2 hours of continuing education
Complete online renewal application and submit non-refundable
renewal fee and online processing fee
EXAM STUDY GUIDE 2026/2027
(PRACTICE QUESTIONS & ANSWERS
BASED ON OFFICIAL IDOI OUTLINE)
GRADED A+
Q1: What are the four types of consumer assistants in
Indiana?
A:
1. Federal Navigator
2. Certified Application Counselor (CAC)
3. Non-Navigator Assistance Personnel
4. Producer (Agent and Broker)
Q2: What is the primary difference between a Federal
Navigator and a Certified Application Counselor (CAC)?
A: Federal Navigators receive federal funding and are required to
provide public education and outreach services. CACs do not
receive federal grant awards and are not required to provide
public education and outreach services to the same extent as
Federal Navigators.
,Q3: Can a Producer (agent/broker) also serve as an Indiana
Navigator?
A: No. Producers are prohibited from becoming Indiana
Navigators. They receive compensation from health insurance
carriers and are licensed to sell, solicit, or negotiate insurance
products.
Q4: What are the requirements to become a Federal
Navigator?
A: Complete federal training and certification; Organizations
complete federal registration.
Q5: What are the requirements to become an Indiana
Navigator?
A: Complete Indiana Navigator Certification; Organizations
complete Application Organization (AO) registration.
Q6: What is an Application Organization (AO)?
A: An entity that must be certified and registered with the state of
Indiana to assist Hoosiers with applications on the Federally-
, Facilitated Marketplace (FFM) and/or for Indiana Health Coverage
Programs (IHCP).
Q7: What are the initial AO registration steps?
A:
1. Complete online AO application and pay non-refundable
application fee and online processing fee
2. Review the Conflict of Interest (COI) policy and submit COI
Disclosure Form
3. Review and submit the AO Privacy and Security Agreement
4. Provide a contact list of each location of the AO including name,
address, phone, email, website, and main contact person
Q8: How many days does an AO have to complete renewal
after expiration?
A: 30 days following the expiration date.
Q9: What are the six steps for initial Indiana Navigator
certification?
A:
, 1. Complete online application and pay non-refundable application
fee
2. Submit criminal background check
3. Review Conflict of Interest policy and submit COI Disclosure form
4. Review and submit Privacy & Security Agreement
5. Complete Navigator precertification education
6. Pass Navigator certification exam
Q10: What prohibits someone from becoming an Indiana
Navigator?
A:
Suspended license for insurance agent or broker
Convicted of a disqualifying felony or other crime as determined
by the Commissioner of Insurance
Admission or conviction of unfair trade practice or fraud in the
insurance business
Unpaid state income tax or child support obligation
Q11: What is the process to renew a Navigator certification?
A:
Complete 2 hours of continuing education
Complete online renewal application and submit non-refundable
renewal fee and online processing fee
