PY 2025 Pennie Individual Marketplace
Training for New Agents and Brokers Exam
test Questions and Verified Answers, 100%-
Score Guarantee Pass (Latest 2025/2026
rated A+
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 - CORRECT 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 - CORRECT ANSWERS
c) cost sharing
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 - CORRECT ANSWERS d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential Coverage (MEC)
True or False - CORRECT 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 -
CORRECT ANSWERS c) 2025
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 - CORRECT 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 -
CORRECT 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) pennie chat feature c) pennie "get help" tool d) all
of the above - CORRECT ANSWERS d) all of the above
only brokers or assisters can initiate the process to appoint an agent of Record/Authorized
Representative. True or False - CORRECT ANSWERS False
When dealing with a frustrated or emotional customer, you should not: a) commiserate or agree with
the customer's claim that the law or a particular process is unfair b) show empathy, but maintain
professionalism c) acknowledge their frustration or feelings d) reassure them that you are here to help -
CORRECT ANSWERS a) commiserate or agree with the customer's claim that the law or a
particular process is unfair
As a sole, licensed and self-employment independent agent, which account type should you choose? a)
agent b) agency manager c) assister d) entity manager - CORRECT ANSWERS b) agency manager
Training for New Agents and Brokers Exam
test Questions and Verified Answers, 100%-
Score Guarantee Pass (Latest 2025/2026
rated A+
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 - CORRECT 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 - CORRECT ANSWERS
c) cost sharing
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 - CORRECT ANSWERS d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential Coverage (MEC)
True or False - CORRECT 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 -
CORRECT ANSWERS c) 2025
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 - CORRECT 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 -
CORRECT 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) pennie chat feature c) pennie "get help" tool d) all
of the above - CORRECT ANSWERS d) all of the above
only brokers or assisters can initiate the process to appoint an agent of Record/Authorized
Representative. True or False - CORRECT ANSWERS False
When dealing with a frustrated or emotional customer, you should not: a) commiserate or agree with
the customer's claim that the law or a particular process is unfair b) show empathy, but maintain
professionalism c) acknowledge their frustration or feelings d) reassure them that you are here to help -
CORRECT ANSWERS a) commiserate or agree with the customer's claim that the law or a
particular process is unfair
As a sole, licensed and self-employment independent agent, which account type should you choose? a)
agent b) agency manager c) assister d) entity manager - CORRECT ANSWERS b) agency manager
