2026 - FFM EXAM WITH CORRECT
ACTUAL QUESTIONS AND CORRECTLY
WELL DEFINED ANSWERS LATEST
ALREADY GRADED A+ 2025 – 2026
Throughout the day you continue to receive numerous calls
from other concerned clients, all reporting similar
fraudulent calls from someone posing as an employee at
your agency, and you become concerned that this is a larger
issue. After checking all of your security procedures and
reviewing all of your systems' access information, you
identify an unknown login to your EDE partner site, and you
believe that someone has gained unauthorized access to
your EDE account. To which agencies or parties should you
report this privacy incident involving a potential breach of
PII? - ANSWERS-1. The CMS IT Service Desk
2. Your agency's designated Privacy Official
3. The EDE partner's Agent Broker Help Desk
,True or False. If HHS suspects that an agent, broker, or web-
broker may have engaged in fraud or abusive conduct that
may cause imminent or ongoing harm using a consumer's
PII, or in connection with a Marketplace enrollment or
application, CMS may temporarily suspend the affected
entity's Marketplace Agreement(s). - ANSWERS-True
You are assisting clients with enrollment during the open
enrollment (OE). You want to send each of them an email to
remind them to make their binder payments by the earliest
possible deadline. What is the earliest possible payment
deadline date to include in your client reminder emails? -
ANSWERS-January 1
True or false: If a consumer makes a QHP change to a
different QHP issuer before the coverage effective date (and
before the December 15 deadline), but after making their
initial binder payment, the initial QHP issuer is responsible
for refunding the premium for January. - ANSWERS-True
Scenario: A consumer moved to a new state last week.
Select the correct coverage effective date following plan
selection. - ANSWERS-First day of the next month.
, Scenario: A consumer had a child last month. Select the
correct coverage effective date following plan selection. -
ANSWERS-Retroactive to when the child was born.
Scenario: A consumer will be losing minimum essential
coverage (MEC) next month. Select the correct coverage
effective date following plan selection. - ANSWERS-First day
of the next month following the last day of coverage.
You help your client, Maria, apply for Marketplace coverage,
but she disagrees with the eligibility determination she
received from the Marketplace. She asks you to assist her
with filing an appeal online through HealthCare.gov and
appoints you as an authorized representative so you can file
the appeal on her behalf. If the Marketplace Appeals Center
finds that her determination was incorrect, what could
happen next?
Select all that apply. - ANSWERS-1. The Marketplace plan
may owe Maria a refund if she paid premiums to the plan
before the appeal was decided.
2. Maria may be eligible for a larger PTC.
3. Maria may owe money to her Marketplace plan because
she is now enrolling in coverage with an earlier effective
date.
ACTUAL QUESTIONS AND CORRECTLY
WELL DEFINED ANSWERS LATEST
ALREADY GRADED A+ 2025 – 2026
Throughout the day you continue to receive numerous calls
from other concerned clients, all reporting similar
fraudulent calls from someone posing as an employee at
your agency, and you become concerned that this is a larger
issue. After checking all of your security procedures and
reviewing all of your systems' access information, you
identify an unknown login to your EDE partner site, and you
believe that someone has gained unauthorized access to
your EDE account. To which agencies or parties should you
report this privacy incident involving a potential breach of
PII? - ANSWERS-1. The CMS IT Service Desk
2. Your agency's designated Privacy Official
3. The EDE partner's Agent Broker Help Desk
,True or False. If HHS suspects that an agent, broker, or web-
broker may have engaged in fraud or abusive conduct that
may cause imminent or ongoing harm using a consumer's
PII, or in connection with a Marketplace enrollment or
application, CMS may temporarily suspend the affected
entity's Marketplace Agreement(s). - ANSWERS-True
You are assisting clients with enrollment during the open
enrollment (OE). You want to send each of them an email to
remind them to make their binder payments by the earliest
possible deadline. What is the earliest possible payment
deadline date to include in your client reminder emails? -
ANSWERS-January 1
True or false: If a consumer makes a QHP change to a
different QHP issuer before the coverage effective date (and
before the December 15 deadline), but after making their
initial binder payment, the initial QHP issuer is responsible
for refunding the premium for January. - ANSWERS-True
Scenario: A consumer moved to a new state last week.
Select the correct coverage effective date following plan
selection. - ANSWERS-First day of the next month.
, Scenario: A consumer had a child last month. Select the
correct coverage effective date following plan selection. -
ANSWERS-Retroactive to when the child was born.
Scenario: A consumer will be losing minimum essential
coverage (MEC) next month. Select the correct coverage
effective date following plan selection. - ANSWERS-First day
of the next month following the last day of coverage.
You help your client, Maria, apply for Marketplace coverage,
but she disagrees with the eligibility determination she
received from the Marketplace. She asks you to assist her
with filing an appeal online through HealthCare.gov and
appoints you as an authorized representative so you can file
the appeal on her behalf. If the Marketplace Appeals Center
finds that her determination was incorrect, what could
happen next?
Select all that apply. - ANSWERS-1. The Marketplace plan
may owe Maria a refund if she paid premiums to the plan
before the appeal was decided.
2. Maria may be eligible for a larger PTC.
3. Maria may owe money to her Marketplace plan because
she is now enrolling in coverage with an earlier effective
date.
