PY 2025 Pennie Individual Marketplace Training for New Agents
and Brokers-Questions with Correct Answers/Verified
What were the main goals of Act 42 of 2019, the legislation which allowed the creation of an
insurance marketplace for the state of Pennsyvanina?
a) Transaction from the federal exchange (Healthcare.gov) and set up a state-based
exchange b) Reduce service and operational costs c) Launch a reinsurance program to
increase savings for families d ) all of the above - ✔✔d ) all of the above
Deductibles, copayments, coinsurance, and out-of-pocket limits are all examples of:
a) penalties b) essential health benefits c) cost sharing d) all of the above - ✔✔c) cost
sharing
What were some of the goals of the Affordable Care Act (ACA) healthcare reform law
enacted in 2010?
a) make heallth insurance more affordable for more people b) ensure people cannot be
denied coverage because of - or charged more for - pre-existing conditions c) establish a list
of essential health benefits (EHB) insurers must cover d) all of the above - ✔✔d) all of the
above
All medical plans offered thru Pennie constitute Minimum Essential Coverage (MEC)
True or False - ✔✔True
The Inflation Reduction Act (IRA) signed into law in 2022, extends the premium subsidies
created by the American Rescue Plan Act (ARPA) from 2022 through what year? a) 2023 b)
2024 c) 2025 d) 2026 - ✔✔c) 2025
Both Exchange Assisters and Brokers can help a customer complete an application through
Pennie and recommend a plan that would best fit their personal needs.
, a) true b) false - ✔✔b) false
To meet the requirements of the Pennsylvania Navigator and Exchange Assister Accessibility
and Regulation Act, an Assister must adhere to all of the following except a) reside in the
Commonwealth b) maintain appointments with all insurers on the Exchange c) register with
the Pennsylvania Insurance Department (PID) d) avoid engaging in activities which could be
considered conflicts of interest - ✔✔b) maintain appointments with all insurers on the
Exchange
customers seeking assistance can use which of the following methods to be connected to a
broker or assister? a) pennie customer service 844-844-8040 b) pennie chat feature c)
pennie "get help" tool d) all of the above - ✔✔d) all of the above
only brokers or assisters can initiate the process to appoint an agent of Record/Authorized
Representative. True or False - ✔✔False
When dealing with a frustrated or emotional customer, you should not: a) commiserate or
agree with the customer's claim that the law or a particular process is unfair b) show
empathy, but maintain professionalism c) acknowledge their frustration or feelings d)
reassure them that you are here to help - ✔✔a) commiserate or agree with the customer's
claim that the law or a particular process is unfair
As a sole, licensed and self-employment independent agent, which account type should you
choose? a) agent b) agency manager c) assister d) entity manager - ✔✔b) agency manager
non-licensed office staff are permitted to have access to the Agency account as long as the
Agency Manager approves it a) true or b) false - ✔✔b) false
As the Agency Manager, to add a new broker to your Agency account, you should: a) advise
the broker to create their own Agent account first, then you can add them to the Agency b)
advise them to call Pennie so the Contact Center can set it up for them c) initiate the
creation of the broker's account through the Add a New Agent page d) any of the above -
✔✔c) initiate the creation of the broker's account through the Add a New Agent page
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