Page 1 of 196
AHIP 2026/2027 Final Exam Updated
Questions and Verified Answers, 100%
Guaranteed Pass
1. A beneficiary turns 65 on June 15, 2026. When is their
Initial Enrollment Period (IEP)?
A. March 1 – September 30, 2026
B. April 1 – September 30, 2026
C. March 1 – June 30, 2026
D. June 1 – December 31, 2026
Answer: A
Rationale: IEP begins 3 months before birthday month
(March), includes birthday month (June), and ends 3
months after (September). Total 7 months: March 1 –
September 30.
,Page 2 of 196
2. Which statement about Part A premium-free eligibility is
correct?
A. All beneficiaries aged 65+ automatically get premium-
free Part A.
B. 40 quarters of Medicare-covered employment are
required.
C. 30 quarters of employment plus spouse’s 10 quarters.
D. ESRD patients never pay Part A premium.
Answer: B
Rationale: 40 quarters (10 years) of work history required
for premium-free Part A. Option A false; Option C
insufficient; Option D false – ESRD patients may pay if
lacking work credits.
3. (Scenario) Mrs. Lee, age 68, has Part A only. She wants
Part B. When can she enroll?
,Page 3 of 196
A. Only during AEP (Oct 15 – Dec 7).
B. Any time with penalty.
C. General Enrollment Period (Jan 1 – Mar 31) with possible
penalty.
D. She cannot enroll after age 65.
Answer: C
Rationale: GEP is Jan 1 – Mar 31 for those who missed IEP.
Part B late penalty applies (10% per 12-month period
without coverage).
4. What is the Part B late enrollment penalty for 2026?
A. 5% per year without coverage, added permanently.
B. 10% per 12-month period without coverage, added
permanently.
C. 15% one-time fee.
D. No penalty if enrolling during GEP.
, Page 4 of 196
Answer: B M .
Rationale: 10% per full 12-month period eligible but not
M. M. M. M. M. M. M. M.
M. enrolled, added to monthly premium for life.
M. M. M. M. M. M.
5. Which of the following trigger a Special Enrollment Period
M. M. M. M. M. M. M. M.
M. (SEP) for Part B? (Select 3)
M. M. M. M. M.
A. Moving to a new state. M. M. M. M.
B. Losing employer group health coverage.
M. M. M. M.
C. Becoming eligible for Medicaid. M. M. M.
D. Turning 65. M.
E. Voluntarily dropping employer coverage. M . M . M .
Answers: A, B, C M. M. M.
Rationale: A – move SEP (2 months after move). B – loss of
M. M. M. M. M. M. M. M. M. M. M. M.
M. employer coverage SEP (6 months). C – Medicaid SEP (any
M. M. M. M. M. M. M. M. M.
M. time). D – IEP, not SEP. E – voluntary drop without loss of
M. M. M. M. M. M. M. M. M. M. M. M.
M. other coverage does not qualify.
M. M. M. M.
AHIP 2026/2027 Final Exam Updated
Questions and Verified Answers, 100%
Guaranteed Pass
1. A beneficiary turns 65 on June 15, 2026. When is their
Initial Enrollment Period (IEP)?
A. March 1 – September 30, 2026
B. April 1 – September 30, 2026
C. March 1 – June 30, 2026
D. June 1 – December 31, 2026
Answer: A
Rationale: IEP begins 3 months before birthday month
(March), includes birthday month (June), and ends 3
months after (September). Total 7 months: March 1 –
September 30.
,Page 2 of 196
2. Which statement about Part A premium-free eligibility is
correct?
A. All beneficiaries aged 65+ automatically get premium-
free Part A.
B. 40 quarters of Medicare-covered employment are
required.
C. 30 quarters of employment plus spouse’s 10 quarters.
D. ESRD patients never pay Part A premium.
Answer: B
Rationale: 40 quarters (10 years) of work history required
for premium-free Part A. Option A false; Option C
insufficient; Option D false – ESRD patients may pay if
lacking work credits.
3. (Scenario) Mrs. Lee, age 68, has Part A only. She wants
Part B. When can she enroll?
,Page 3 of 196
A. Only during AEP (Oct 15 – Dec 7).
B. Any time with penalty.
C. General Enrollment Period (Jan 1 – Mar 31) with possible
penalty.
D. She cannot enroll after age 65.
Answer: C
Rationale: GEP is Jan 1 – Mar 31 for those who missed IEP.
Part B late penalty applies (10% per 12-month period
without coverage).
4. What is the Part B late enrollment penalty for 2026?
A. 5% per year without coverage, added permanently.
B. 10% per 12-month period without coverage, added
permanently.
C. 15% one-time fee.
D. No penalty if enrolling during GEP.
, Page 4 of 196
Answer: B M .
Rationale: 10% per full 12-month period eligible but not
M. M. M. M. M. M. M. M.
M. enrolled, added to monthly premium for life.
M. M. M. M. M. M.
5. Which of the following trigger a Special Enrollment Period
M. M. M. M. M. M. M. M.
M. (SEP) for Part B? (Select 3)
M. M. M. M. M.
A. Moving to a new state. M. M. M. M.
B. Losing employer group health coverage.
M. M. M. M.
C. Becoming eligible for Medicaid. M. M. M.
D. Turning 65. M.
E. Voluntarily dropping employer coverage. M . M . M .
Answers: A, B, C M. M. M.
Rationale: A – move SEP (2 months after move). B – loss of
M. M. M. M. M. M. M. M. M. M. M. M.
M. employer coverage SEP (6 months). C – Medicaid SEP (any
M. M. M. M. M. M. M. M. M.
M. time). D – IEP, not SEP. E – voluntary drop without loss of
M. M. M. M. M. M. M. M. M. M. M. M.
M. other coverage does not qualify.
M. M. M. M.
