Idaho Marketplace Ultimate Exam
**Question 91.** Which of the following data sources does Your Health Idaho
(YHI) use to verify an applicant’s income when the applicant reports
self-employment earnings?
A) Recent pay stubs from a payroll service
B) IRS Form 1099-NEC or 1099-MISC submitted through the federal data hub
C) A handwritten statement of earnings
D) The applicant’s bank statements only
Answer: B
Explanation: For self-employment income, YHI accesses IRS-filed 1099 forms via
the federal data hub to confirm earnings.
**Question 92.** In Idaho, which of the following is a qualifying life event that
allows a consumer to enroll in a Marketplace plan outside the Open Enrollment
Period?
A) Getting a new haircut
B) Purchasing a home
C) Losing minimum essential coverage (MEC)
D) Changing a cell-phone provider
Answer: C
Explanation: Loss of MEC is a qualifying life event that triggers a Special
Enrollment Period (SEP).
**Question 93.** Which metal level provides the highest actuarial value (AV) and
therefore the lowest out-of-pocket cost for enrollees?
A) Bronze
B) Silver
, Idaho Marketplace Ultimate Exam
C) Gold
D) Platinum
Answer: D
Explanation: Platinum plans have an AV of about 90%, covering the greatest share
of average health costs.
**Question 94.** Under Idaho’s Marketplace rules, which of the following
statements about “cost-sharing reductions” (CSR) is correct?
A) CSR are automatically applied to all bronze plans for low-income enrollees
B) CSR reduce deductibles, copays, and out-of-pocket maximums only for silver
plans
C) CSR increase the premium cost of the plan to offset the reduction
D) CSR are available to anyone regardless of income level
Answer: B
Explanation: CSR are limited to silver-level plans and lower cost-sharing for
eligible individuals.
**Question 95.** Which of the following is NOT a required essential health
benefit (EHB) category under the ACA?
A) Emergency services
B) Prescription drugs
C) Vision care for adults
D) Maternity and newborn care
Answer: C
Explanation: Vision care for adults is not one of the ten mandated EHB categories;
pediatric vision may be embedded.
, Idaho Marketplace Ultimate Exam
**Question 96.** An Idaho consumer is 28 years old, earns 120 % of the Federal
Poverty Level (FPL), and wishes to enroll in a catastrophic plan. Which condition
must be met for eligibility?
A) The consumer must have a documented hardship exemption
B) The consumer must be enrolled in Medicaid first
C) The consumer must have a household size of at least four
D) The consumer must have previously held a bronze plan for one year
Answer: A
Explanation: Individuals under 30 can enroll in catastrophic plans only if they
obtain a hardship exemption.
**Question 97.** Which of the following actions would be considered a violation
of Idaho Marketplace privacy rules?
A) Encrypting all stored PII on the YHI servers
B) Sharing a consumer’s Social Security Number with a broker who did not obtain
written consent
C) Using two-factor authentication for agent logins
D) Conducting annual security audits of the portal
Answer: B
Explanation: Disclosing PII without the consumer’s consent breaches HIPAA and
state privacy regulations.
**Question 98.** Which of the following best describes the purpose of
Form 8962 in the federal tax filing process?
A) To report health insurance coverage for each month of the year
**Question 91.** Which of the following data sources does Your Health Idaho
(YHI) use to verify an applicant’s income when the applicant reports
self-employment earnings?
A) Recent pay stubs from a payroll service
B) IRS Form 1099-NEC or 1099-MISC submitted through the federal data hub
C) A handwritten statement of earnings
D) The applicant’s bank statements only
Answer: B
Explanation: For self-employment income, YHI accesses IRS-filed 1099 forms via
the federal data hub to confirm earnings.
**Question 92.** In Idaho, which of the following is a qualifying life event that
allows a consumer to enroll in a Marketplace plan outside the Open Enrollment
Period?
A) Getting a new haircut
B) Purchasing a home
C) Losing minimum essential coverage (MEC)
D) Changing a cell-phone provider
Answer: C
Explanation: Loss of MEC is a qualifying life event that triggers a Special
Enrollment Period (SEP).
**Question 93.** Which metal level provides the highest actuarial value (AV) and
therefore the lowest out-of-pocket cost for enrollees?
A) Bronze
B) Silver
, Idaho Marketplace Ultimate Exam
C) Gold
D) Platinum
Answer: D
Explanation: Platinum plans have an AV of about 90%, covering the greatest share
of average health costs.
**Question 94.** Under Idaho’s Marketplace rules, which of the following
statements about “cost-sharing reductions” (CSR) is correct?
A) CSR are automatically applied to all bronze plans for low-income enrollees
B) CSR reduce deductibles, copays, and out-of-pocket maximums only for silver
plans
C) CSR increase the premium cost of the plan to offset the reduction
D) CSR are available to anyone regardless of income level
Answer: B
Explanation: CSR are limited to silver-level plans and lower cost-sharing for
eligible individuals.
**Question 95.** Which of the following is NOT a required essential health
benefit (EHB) category under the ACA?
A) Emergency services
B) Prescription drugs
C) Vision care for adults
D) Maternity and newborn care
Answer: C
Explanation: Vision care for adults is not one of the ten mandated EHB categories;
pediatric vision may be embedded.
, Idaho Marketplace Ultimate Exam
**Question 96.** An Idaho consumer is 28 years old, earns 120 % of the Federal
Poverty Level (FPL), and wishes to enroll in a catastrophic plan. Which condition
must be met for eligibility?
A) The consumer must have a documented hardship exemption
B) The consumer must be enrolled in Medicaid first
C) The consumer must have a household size of at least four
D) The consumer must have previously held a bronze plan for one year
Answer: A
Explanation: Individuals under 30 can enroll in catastrophic plans only if they
obtain a hardship exemption.
**Question 97.** Which of the following actions would be considered a violation
of Idaho Marketplace privacy rules?
A) Encrypting all stored PII on the YHI servers
B) Sharing a consumer’s Social Security Number with a broker who did not obtain
written consent
C) Using two-factor authentication for agent logins
D) Conducting annual security audits of the portal
Answer: B
Explanation: Disclosing PII without the consumer’s consent breaches HIPAA and
state privacy regulations.
**Question 98.** Which of the following best describes the purpose of
Form 8962 in the federal tax filing process?
A) To report health insurance coverage for each month of the year
