PY 2025 PENNIE INDIVIDUAL
MARKETPLACE TRAINING FOR NEW
AGENTS AND BROKERS EXAM WITH
CORRECT ACTUAL QUESTIONS AND
CORRECTLY WELL DEFINED ANSWERS
LATEST 2024 – 2025 ALREADY GRADED A+
A customer wants to see a specialist they've never gone to before. He calls his
insurers customer service number and is advised by the representative that the
provider would be covered as in network. A month after the appointment, the
customer receives a bill for $500 from the provider, build is out of network. He
wants to peel this invoice his appeal should be filed with: a) Pennie b) their broker
or assister c) the insurer - ANSWERS-c) the insurer
While there is significant overlap in the populations, undeserved communities
have limited access to healthcare services, while historically marginalized
communities may be underserved, but also experience additional systemic
barriers to getting care. a) true b) false - ANSWERS-a) true
,Historically marginalized and underserved populations may have a higher risk of
multiple health problems and/or pre-existing conditions. In part, these can be
partially attributed to which of the following? Aa) in general, less access to
income and generational wealth b) less access to transportation for work and
health care c) fewer healthcare providers practicing in the nearby area d) all of
the above - ANSWERS-d) all of the above
What were some of the goals of the Affordable Care Act (ACA) healthcare reform
law enacted in 2010?
a) make heallth insurance more affordable for more people b) ensure people
cannot be denied coverage because of - or charged more for - pre-existing
conditions c) establish a list of essential health benefits (EHB) insurers must cover
d) all of the above - ANSWERS-d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential Coverage
(MEC)
True or False - ANSWERS-True
The Inflation Reduction Act (IRA) signed into law in 2022, extends the premium
subsidies created by the American Rescue Plan Act (ARPA) from 2022 through
what year? a) 2023 b) 2024 c) 2025 d) 2026 - ANSWERS-c) 2025
What were the main goals of Act 42 of 2019, the legislation which allowed the
creation of an insurance marketplace for the state of Pennsyvanina?
, a) Transaction from the federal exchange (Healthcare.gov) and set up a state-
based exchange b) Reduce service and operational costs c) Launch a reinsurance
program to increase savings for families d ) all of the above - ANSWERS-d ) all of
the above
Deductibles, copayments, coinsurance, and out-of-pocket limits are all examples
of:
a) penalties b) essential health benefits c) cost sharing d) all of the above -
ANSWERS-c) cost sharing
Both Exchange Assisters and Brokers can help a customer complete an application
through Pennie and recommend a plan that would best fit their personal needs.
a) true b) false - ANSWERS-b) false
To meet the requirements of the Pennsylvania Navigator and Exchange Assister
Accessibility and Regulation Act, an Assister must adhere to all of the following
except a) reside in the Commonwealth b) maintain appointments with all insurers
on the Exchange c) register with the Pennsylvania Insurance Department (PID) d)
avoid engaging in activities which could be considered conflicts of interest -
ANSWERS-b) maintain appointments with all insurers on the Exchange
customers seeking assistance can use which of the following methods to be
connected to a broker or assister? a) pennie customer service 844-844-8040 b)
MARKETPLACE TRAINING FOR NEW
AGENTS AND BROKERS EXAM WITH
CORRECT ACTUAL QUESTIONS AND
CORRECTLY WELL DEFINED ANSWERS
LATEST 2024 – 2025 ALREADY GRADED A+
A customer wants to see a specialist they've never gone to before. He calls his
insurers customer service number and is advised by the representative that the
provider would be covered as in network. A month after the appointment, the
customer receives a bill for $500 from the provider, build is out of network. He
wants to peel this invoice his appeal should be filed with: a) Pennie b) their broker
or assister c) the insurer - ANSWERS-c) the insurer
While there is significant overlap in the populations, undeserved communities
have limited access to healthcare services, while historically marginalized
communities may be underserved, but also experience additional systemic
barriers to getting care. a) true b) false - ANSWERS-a) true
,Historically marginalized and underserved populations may have a higher risk of
multiple health problems and/or pre-existing conditions. In part, these can be
partially attributed to which of the following? Aa) in general, less access to
income and generational wealth b) less access to transportation for work and
health care c) fewer healthcare providers practicing in the nearby area d) all of
the above - ANSWERS-d) all of the above
What were some of the goals of the Affordable Care Act (ACA) healthcare reform
law enacted in 2010?
a) make heallth insurance more affordable for more people b) ensure people
cannot be denied coverage because of - or charged more for - pre-existing
conditions c) establish a list of essential health benefits (EHB) insurers must cover
d) all of the above - ANSWERS-d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential Coverage
(MEC)
True or False - ANSWERS-True
The Inflation Reduction Act (IRA) signed into law in 2022, extends the premium
subsidies created by the American Rescue Plan Act (ARPA) from 2022 through
what year? a) 2023 b) 2024 c) 2025 d) 2026 - ANSWERS-c) 2025
What were the main goals of Act 42 of 2019, the legislation which allowed the
creation of an insurance marketplace for the state of Pennsyvanina?
, a) Transaction from the federal exchange (Healthcare.gov) and set up a state-
based exchange b) Reduce service and operational costs c) Launch a reinsurance
program to increase savings for families d ) all of the above - ANSWERS-d ) all of
the above
Deductibles, copayments, coinsurance, and out-of-pocket limits are all examples
of:
a) penalties b) essential health benefits c) cost sharing d) all of the above -
ANSWERS-c) cost sharing
Both Exchange Assisters and Brokers can help a customer complete an application
through Pennie and recommend a plan that would best fit their personal needs.
a) true b) false - ANSWERS-b) false
To meet the requirements of the Pennsylvania Navigator and Exchange Assister
Accessibility and Regulation Act, an Assister must adhere to all of the following
except a) reside in the Commonwealth b) maintain appointments with all insurers
on the Exchange c) register with the Pennsylvania Insurance Department (PID) d)
avoid engaging in activities which could be considered conflicts of interest -
ANSWERS-b) maintain appointments with all insurers on the Exchange
customers seeking assistance can use which of the following methods to be
connected to a broker or assister? a) pennie customer service 844-844-8040 b)
