, IndIana navIgator Exam – IndIana dEpartmEnt of InsurancE
(IdoI) – 2026/2027 acadEmIc YEar – 60 QuEstIons and answErs
for navIgator cErtIfIcatIon || vErIfIEd BY ExpErts
The following 60 questions are organized into three core domains aligned with the Indiana
Navigator certification exam content outline. Each question includes four answer choices, the
correct answer, and a detailed rationale based on IDOI standards, federal ACA requirements, and
Indiana Health Coverage Programs. The Indiana Navigator certification exam consists of 60
questions and requires a passing score of at least 70% (42 out of 60) .
Domain 1: Functions of the Health Insurance Marketplace & Indiana Health Coverage
Programs (Questions 1–20)
Question 1. What is the primary role of a health insurance Navigator in Indiana?
• A) To sell health insurance plans and earn commissions
• B) To provide free, unbiased assistance to consumers with health coverage applications
• C) To enforce health insurance regulations on behalf of the state
• D) To provide legal advice regarding health insurance disputes
corrEct answEr: B
ratIonalE: Indiana Navigators are individuals certified by the Indiana Department of
Insurance (IDOI) who assist consumers in completing federal Health Insurance Marketplace
applications at HealthCare.gov or Indiana Health Coverage Program applications (such as
Medicaid, CHIP, or HIP 2.0). Navigators provide free, unbiased application assistance and do
not sell insurance or earn commissions.
Question 2. Which entity is responsible for certifying Indiana Navigators?
• A) Centers for Medicare & Medicaid Services (CMS)
• B) Indiana Department of Insurance (IDOI)
• C) Indiana Family and Social Services Administration (FSSA)
, • D) U.S. Department of Health and Human Services (HHS)
corrEct answEr: B
ratIonalE: The Indiana Department of Insurance (IDOI) is responsible for certifying Indiana
Navigators. While federal Navigators are established under the ACA, those serving in Indiana
must complete the Indiana Navigator certification process with the IDOI.
Question 3. Indiana operates what type of health insurance Marketplace?
• A) State-based Marketplace
• B) Partnership Marketplace
• C) Federally-facilitated Marketplace (FFM)
• D) State-federal hybrid Marketplace
corrEct answEr: C
ratIonalE: Indiana operates as a Federally-facilitated Marketplace
(FFM) at Healthcare.gov. Indiana does not follow the Partnership Marketplace model.
Consumers in Indiana apply for Qualified Health Plans through the federal platform.
Question 4. Which of the following is an Indiana Health Coverage Program that Navigators help
consumers apply for?
• A) Medicare Part D
• B) Healthy Indiana Plan (HIP 2.0)
• C) TRICARE
• D) Veterans Affairs Health Care
corrEct answEr: B
ratIonalE: Indiana Navigators assist consumers with Indiana Health Coverage Programs
including Medicaid, the Children's Health Insurance Program (CHIP), and the Healthy
Indiana Plan (HIP 2.0) . Medicare, TRICARE, and VA benefits are federal programs not
administered through Indiana's state programs.
Question 5. What is the primary purpose of the Federally-facilitated Marketplace (FFM)?
• A) To provide free health insurance to all citizens
(IdoI) – 2026/2027 acadEmIc YEar – 60 QuEstIons and answErs
for navIgator cErtIfIcatIon || vErIfIEd BY ExpErts
The following 60 questions are organized into three core domains aligned with the Indiana
Navigator certification exam content outline. Each question includes four answer choices, the
correct answer, and a detailed rationale based on IDOI standards, federal ACA requirements, and
Indiana Health Coverage Programs. The Indiana Navigator certification exam consists of 60
questions and requires a passing score of at least 70% (42 out of 60) .
Domain 1: Functions of the Health Insurance Marketplace & Indiana Health Coverage
Programs (Questions 1–20)
Question 1. What is the primary role of a health insurance Navigator in Indiana?
• A) To sell health insurance plans and earn commissions
• B) To provide free, unbiased assistance to consumers with health coverage applications
• C) To enforce health insurance regulations on behalf of the state
• D) To provide legal advice regarding health insurance disputes
corrEct answEr: B
ratIonalE: Indiana Navigators are individuals certified by the Indiana Department of
Insurance (IDOI) who assist consumers in completing federal Health Insurance Marketplace
applications at HealthCare.gov or Indiana Health Coverage Program applications (such as
Medicaid, CHIP, or HIP 2.0). Navigators provide free, unbiased application assistance and do
not sell insurance or earn commissions.
Question 2. Which entity is responsible for certifying Indiana Navigators?
• A) Centers for Medicare & Medicaid Services (CMS)
• B) Indiana Department of Insurance (IDOI)
• C) Indiana Family and Social Services Administration (FSSA)
, • D) U.S. Department of Health and Human Services (HHS)
corrEct answEr: B
ratIonalE: The Indiana Department of Insurance (IDOI) is responsible for certifying Indiana
Navigators. While federal Navigators are established under the ACA, those serving in Indiana
must complete the Indiana Navigator certification process with the IDOI.
Question 3. Indiana operates what type of health insurance Marketplace?
• A) State-based Marketplace
• B) Partnership Marketplace
• C) Federally-facilitated Marketplace (FFM)
• D) State-federal hybrid Marketplace
corrEct answEr: C
ratIonalE: Indiana operates as a Federally-facilitated Marketplace
(FFM) at Healthcare.gov. Indiana does not follow the Partnership Marketplace model.
Consumers in Indiana apply for Qualified Health Plans through the federal platform.
Question 4. Which of the following is an Indiana Health Coverage Program that Navigators help
consumers apply for?
• A) Medicare Part D
• B) Healthy Indiana Plan (HIP 2.0)
• C) TRICARE
• D) Veterans Affairs Health Care
corrEct answEr: B
ratIonalE: Indiana Navigators assist consumers with Indiana Health Coverage Programs
including Medicaid, the Children's Health Insurance Program (CHIP), and the Healthy
Indiana Plan (HIP 2.0) . Medicare, TRICARE, and VA benefits are federal programs not
administered through Indiana's state programs.
Question 5. What is the primary purpose of the Federally-facilitated Marketplace (FFM)?
• A) To provide free health insurance to all citizens
