PY 2025/2026 PENNIE INDIVIDUAL MARKETPLACE
TRAINING FOR NEW AGENTS AND BROKERS
QUESTIONS WITH 100% CORRECT ANSWERS
What were the main goals of Act 42 of 2019, the legislation which allowed the creation of an
insurance marketplace for the state of Pennsylvania?
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
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
c) cost sharing
,What were some of the goals of the Affordable Care Act (ACA) healthcare reform law enacted in
2010?
a) make health 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
d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential Coverage (MEC)
True or False
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
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
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
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
d) all of the above
only brokers or assisters can initiate the process to appoint an agent of Record/Authorized
Representative. True or False
False
TRAINING FOR NEW AGENTS AND BROKERS
QUESTIONS WITH 100% CORRECT ANSWERS
What were the main goals of Act 42 of 2019, the legislation which allowed the creation of an
insurance marketplace for the state of Pennsylvania?
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
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
c) cost sharing
,What were some of the goals of the Affordable Care Act (ACA) healthcare reform law enacted in
2010?
a) make health 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
d) all of the above
All medical plans offered thru Pennie constitute Minimum Essential Coverage (MEC)
True or False
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
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
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
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
d) all of the above
only brokers or assisters can initiate the process to appoint an agent of Record/Authorized
Representative. True or False
False
