NAVIGATOR STATE VERIFIED ACTUAL SCRIPT
2026 COMPLETE QUESTIONS AND CORRECT
ANSWERS GRADED A+
◉ Another authorized consumer assistant title consumers may seeis
Obama care guidance Specialists (OGCs)?
Answer: False
◉ Marketplace will automatically certify consumer assistants called
federal navigators and CACs, are they automatically valid in Indiana?
Answer: False
◉ Who needs to be certified as an Indiana Navigator?
Answer: Individuals with denied, revoked or suspended insurance
or broker license, has been convicted of a disqualifying felony or
other crime made by Indiana department of Insurance (IDOI), or
individuals who fail to pay state income taxes or failed to pay child
support, and those who admit or have been convicted of unfair trade
practice or fraud insurance business practices
◉ What is the Navigator certification process?
Answer: Apply, complete pre-certification training and pass
certification examination.
,◉ Application Organizations (AOs) are
Answer: organizations with employees and/or volunteers assisting
Hoosier consumers with application in the federal marketplace,
qualifying health plans and cost lowering programs.
◉ Indiana Navigators never suggest specific health plans?
Answer: True
◉ What is conflict of loyalty?
Answer: Ex: Indiana Navigator and AO have a close relationship with
a hospital
◉ The IDOI can respond to complaints against Navigators and AOs
how?
Answer: Reprimand, civil penalty (fine), suspension of certification,
revocation of certification (temp/perm)
◉ Security breech/disclosure of personal information must notify
the consumer
Answer: within 10 days and the IDOI within 5 days of the incident
◉ Brokers cannot be Navigators?
, Answer: True
◉ Complaints about Indiana Navigators should be addressed by
whom?
Answer: IDOI
◉ Questions regarding the ACA affordable Care Act should be
addressed where?
Answer: Federal Marketplace call center
◉ Who cannot become a Navigator?
Answer: Individuals with denied, revoked or suspended insurance
or broker license, has been convicted of a disqualifying felony or
other crime made by Indiana department of Insurance (IDOI), or
individuals who fail to pay state income taxes or failed to pay child
support, and those who admit or have been convicted of unfair trade
practice or fraud insurance business practices
◉ Authorized Representatives (ARs) are not required to be certified
as Navigators?
Answer: True
◉ 115C waiver
2026 COMPLETE QUESTIONS AND CORRECT
ANSWERS GRADED A+
◉ Another authorized consumer assistant title consumers may seeis
Obama care guidance Specialists (OGCs)?
Answer: False
◉ Marketplace will automatically certify consumer assistants called
federal navigators and CACs, are they automatically valid in Indiana?
Answer: False
◉ Who needs to be certified as an Indiana Navigator?
Answer: Individuals with denied, revoked or suspended insurance
or broker license, has been convicted of a disqualifying felony or
other crime made by Indiana department of Insurance (IDOI), or
individuals who fail to pay state income taxes or failed to pay child
support, and those who admit or have been convicted of unfair trade
practice or fraud insurance business practices
◉ What is the Navigator certification process?
Answer: Apply, complete pre-certification training and pass
certification examination.
,◉ Application Organizations (AOs) are
Answer: organizations with employees and/or volunteers assisting
Hoosier consumers with application in the federal marketplace,
qualifying health plans and cost lowering programs.
◉ Indiana Navigators never suggest specific health plans?
Answer: True
◉ What is conflict of loyalty?
Answer: Ex: Indiana Navigator and AO have a close relationship with
a hospital
◉ The IDOI can respond to complaints against Navigators and AOs
how?
Answer: Reprimand, civil penalty (fine), suspension of certification,
revocation of certification (temp/perm)
◉ Security breech/disclosure of personal information must notify
the consumer
Answer: within 10 days and the IDOI within 5 days of the incident
◉ Brokers cannot be Navigators?
, Answer: True
◉ Complaints about Indiana Navigators should be addressed by
whom?
Answer: IDOI
◉ Questions regarding the ACA affordable Care Act should be
addressed where?
Answer: Federal Marketplace call center
◉ Who cannot become a Navigator?
Answer: Individuals with denied, revoked or suspended insurance
or broker license, has been convicted of a disqualifying felony or
other crime made by Indiana department of Insurance (IDOI), or
individuals who fail to pay state income taxes or failed to pay child
support, and those who admit or have been convicted of unfair trade
practice or fraud insurance business practices
◉ Authorized Representatives (ARs) are not required to be certified
as Navigators?
Answer: True
◉ 115C waiver
