Certified Application Counselor (CAC) Certification Exam — Questions and Answers

Question 1: A client shares information during enrollment that suggests potential eligibility fraud. What is the CAC's ethical obligation?

Refuse to assist the client and ask them to leave
Assist the client in accurately reporting their information and advise against false statements (Correct answer)
Complete the enrollment and stay silent to protect client privacy
Report the client to law enforcement immediately

Correct answer: Assist the client in accurately reporting their information and advise against false statements

CACs must assist clients in providing accurate information and must not facilitate or ignore potential fraud during the enrollment process.

Question 2: A Native American client tells you their tribe offers its own health program. How should a CAC factor this into the enrollment discussion?

Advise the client to drop tribal coverage and enroll only in a Marketplace plan
Explain that American Indians and Alaska Natives have special Marketplace provisions, including cost-sharing exemptions and year-round enrollment (Correct answer)
Tell the client they are not eligible for the Marketplace because they have tribal coverage
Ignore the tribal coverage since it does not affect Marketplace eligibility

Correct answer: Explain that American Indians and Alaska Natives have special Marketplace provisions, including cost-sharing exemptions and year-round enrollment

American Indians and Alaska Natives have unique Marketplace benefits, including reduced cost-sharing and a special enrollment period that is available year-round.

Question 3: A CAC discovers during an enrollment session that a client's employer offers coverage that may be considered affordable under ACA rules. What should the CAC do?

Ignore employer coverage and proceed with Marketplace enrollment
Enroll the client in Marketplace and let the IRS sort it out later
Inform the client about the employer offer and explain how it may affect subsidy eligibility (Correct answer)
Advise the client to decline employer coverage without explaining the consequences

Correct answer: Inform the client about the employer offer and explain how it may affect subsidy eligibility

CACs must inform clients of facts that affect their eligibility, including the impact of affordable employer coverage on Marketplace subsidies.

Question 4: Under the ACA, what does 'community rating' prohibit insurers from doing?

Charging different premiums for tobacco users
Charging different premiums by geographic region
Varying premiums by plan type
Setting premiums based on health status or pre-existing conditions (Correct answer)

Correct answer: Setting premiums based on health status or pre-existing conditions

ACA community rating rules prohibit insurers from varying premiums based on health status, gender, or pre-existing conditions; only age, tobacco use, and geography are allowed.

Question 5: What is a premium tax credit?

A financial help for Marketplace insurance plans (Correct answer)
A subsidy for employer-based insurance.
A discount on all prescription drugs.
A tax benefit for healthcare providers.

Correct answer: A financial help for Marketplace insurance plans

A premium tax credit is a form of financial assistance provided by the government to help eligible individuals and families afford health insurance coverage purchased through the Health Insurance Marketplace. It reduces the amount of money they have to pay each month for their health insurance premiums. Eligibility is based on income and household size, making coverage more accessible.

Question 6: Which of the following actions best demonstrates a CAC's commitment to cultural competency?

Assuming a consumer's eldest family member will make the final decision on a health plan.
Sharing personal stories about one's own family to build a stronger connection with the consumer.
Recommending a plan that has been popular with other consumers from a similar ethnic background.
Using plain language, avoiding jargon, and asking open-ended questions to confirm the consumer's understanding. (Correct answer)

Correct answer: Using plain language, avoiding jargon, and asking open-ended questions to confirm the consumer's understanding.

Cultural competency involves communicating clearly and respectfully without making assumptions or stereotyping. Using plain language and actively checking for understanding is a universal best practice that respects individual comprehension and health literacy levels, regardless of cultural background. The other options rely on stereotypes (A, B) or may cross professional boundaries (D).

Question 7: Which federal agency administers the Health Insurance Marketplace (Healthcare.gov)?

Office of Personnel Management
Centers for Medicare & Medicaid Services (CMS) (Correct answer)
Department of Labor
Social Security Administration

Correct answer: Centers for Medicare & Medicaid Services (CMS)

The Centers for Medicare & Medicaid Services (CMS), within HHS, operates the federally facilitated Marketplace at Healthcare.gov.

Question 8: A family's Modified Adjusted Gross Income (MAGI) is used to determine eligibility for which programs?

COBRA and Medicare
Medicare and TRICARE
Marketplace plans and Medicaid (Correct answer)
CHIP and TRICARE

Correct answer: Marketplace plans and Medicaid

MAGI-based income rules apply to Marketplace coverage, premium tax credits, cost-sharing reductions, Medicaid, and CHIP eligibility determinations.

Question 9: What document is typically used to verify U.S. citizenship for Marketplace eligibility?

Social Security card alone
State-issued ID card
U.S. passport or birth certificate (Correct answer)
Voter registration card

Correct answer: U.S. passport or birth certificate

A U.S. passport, birth certificate, or naturalization certificate are primary documents accepted to verify U.S. citizenship.

Question 10: A natural disaster displaces a consumer and they miss Open Enrollment. What SEP may apply?

No SEP applies for natural disasters
They must pay a penalty to enroll late
An automatic 120-day extension is applied nationally
An exceptional circumstances SEP may be granted by CMS (Correct answer)

Correct answer: An exceptional circumstances SEP may be granted by CMS

CMS may grant an exceptional circumstances SEP for consumers affected by natural disasters, system errors, or other hardships beyond their control.

Question 11: A consumer asks a CAC what happens if their actual income at the end of the year is higher than what they reported on their Marketplace application. The CAC should explain:

There is no penalty for underreporting income on a Marketplace application
Their plan will be retroactively canceled for the months they were over the income limit
They may have to repay some or all of the excess advance premium tax credits on their tax return (Correct answer)
They will receive additional tax credits when they file their return

Correct answer: They may have to repay some or all of the excess advance premium tax credits on their tax return

If a consumer's actual income exceeds their estimate, they may owe back some or all of the excess APTC when they file their federal income tax return.

Question 12: A consumer loses their employer-sponsored health coverage. Under the Affordable Care Act, this event typically triggers a:

Special Enrollment Period (SEP) (Correct answer)
Marketplace waiting period
Medicaid eligibility review
Premium penalty assessment

Correct answer: Special Enrollment Period (SEP)

Losing job-based health insurance is considered a Qualifying Life Event (QLE), which makes an individual eligible for a Special Enrollment Period (SEP). This allows them to enroll in a new health plan through the Marketplace outside of the annual Open Enrollment Period.

Question 13: Which federal law primarily governs the privacy protections that CACs must follow when handling consumers' health information?

The Privacy Act of 1974
The Health Insurance Portability and Accountability Act (HIPAA) (Correct answer)
The Affordable Care Act (ACA) Privacy Rule
The Fair Credit Reporting Act (FCRA)

Correct answer: The Health Insurance Portability and Accountability Act (HIPAA)

HIPAA establishes the baseline privacy and security standards for protected health information (PHI) that CACs must comply with.

Question 14: Under the 'minimum necessary' privacy standard, what does a CAC's access to consumer information mean in practice?

CACs must request special permission each time they need to view a consumer's file
CACs may access all information in the Marketplace system for any enrolled consumer
CACs should only access and use the consumer information needed to perform their specific assistance function (Correct answer)
The standard only applies to medical records, not Marketplace enrollment data

Correct answer: CACs should only access and use the consumer information needed to perform their specific assistance function

The minimum necessary standard requires that access to and use of consumer information be limited to what is required to complete the specific enrollment task at hand.

Question 15: Under CMS rules, which of the following entities must CACs report a data breach to?

Only to the affected consumers
Only to local law enforcement
Only to their organization's board of directors
To CMS and potentially to affected consumers and HHS depending on the scope (Correct answer)

Correct answer: To CMS and potentially to affected consumers and HHS depending on the scope

CAC organizations must report breaches to CMS and may also be required to notify affected consumers and HHS's Office for Civil Rights depending on the nature and scale of the breach.

Question 16: Which of the following is NOT considered Personally Identifiable Information (PII) in the context of Marketplace applications?

Date of birth
Consumer's favorite color (Correct answer)
Home address
Social Security Number

Correct answer: Consumer's favorite color

A consumer's favorite color is not PII because it cannot be used to identify, contact, or locate an individual.

Question 17: Which of the following is a qualifying life event that triggers a Special Enrollment Period?

Deciding a current plan is too expensive
Moving to a new ZIP code or county that affects plan availability (Correct answer)
Not enrolling during Open Enrollment
Voluntarily dropping existing coverage

Correct answer: Moving to a new ZIP code or county that affects plan availability

Moving to a new coverage area that changes available plan options is a qualifying life event that triggers a 60-day SEP.

Question 18: Which document is generally NOT acceptable as proof of lawful presence for Marketplace enrollment?

Permanent Resident Card (green card)
Valid unexpired passport with an I-94 arrival record
Temporary visitor visa with no work authorization (Correct answer)
Employment Authorization Document (EAD)

Correct answer: Temporary visitor visa with no work authorization

A temporary visitor visa alone does not confer lawful presence status required for Marketplace eligibility; lawful presence requires specific immigration statuses.

Question 19: A CAC is approached by a researcher who wants anonymized enrollment data to study coverage gaps. How should the CAC respond?

Decline, as CACs may not share any consumer data even in anonymized form without proper authorization (Correct answer)
Share only aggregate totals verbally
Provide the data since it is anonymized
Refer the researcher to the state Medicaid agency

Correct answer: Decline, as CACs may not share any consumer data even in anonymized form without proper authorization

CACs are not authorized to share consumer data in any form — anonymized or otherwise — without explicit authorization from the Marketplace or oversight entity.

Question 20: A client who is a seasonal agricultural worker has inconsistent income throughout the year. The CAC should advise them to report:

Their projected annual income, and to report income changes throughout the year to avoid reconciliation issues at tax time (Correct answer)
Zero income since farm work is often paid in cash
Last year's tax return income even if this year is expected to be very different
Only their highest monthly income to ensure they get the minimum premium tax credit

Correct answer: Their projected annual income, and to report income changes throughout the year to avoid reconciliation issues at tax time

Clients should report expected annual income and update the Marketplace when income changes significantly to avoid large premium tax credit repayments or underpayments at tax filing.

Question 21: A couple gets divorced on June 1. The spouse who was covered under the other's plan loses coverage. When does the SEP window close?

August 1
June 30
July 31 (Correct answer)
June 15

Correct answer: July 31

Loss of coverage due to divorce triggers a 60-day SEP, so coverage starting from June 1 gives until July 31 to enroll.

Question 22: When can consumers enroll in a health insurance plan outside of the open enrollment period?

Only during tax season.
Only with approval from a health provider.
When they qualify for a Special Enrollment Period (Correct answer)
Once every three years.

Correct answer: When they qualify for a Special Enrollment Period

Outside of the annual Open Enrollment Period, consumers can only enroll in or change health insurance plans if they experience a qualifying life event. These events, such as marriage, birth of a child, loss of other coverage, or moving, trigger a Special Enrollment Period (SEP). SEPs ensure that individuals can access coverage when significant life changes impact their health insurance needs.

Question 23: Essential Health Benefits (EHBs) must be covered by which types of plans?

Individual and small group plans inside and outside the Marketplace (Correct answer)
Medicare Advantage plans exclusively
COBRA continuation plans only
All employer self-insured plans and Medicare

Correct answer: Individual and small group plans inside and outside the Marketplace

ACA requires individual and small group health insurance plans — both inside and outside the Marketplace — to cover the ten categories of Essential Health Benefits.

Question 24: What is the 'employer mandate' under the ACA?

Mandate for employers to pay 100% of premiums
Requirement for all employees to enroll in employer coverage
Requirement for small businesses to offer SHOP plans
Requirement for large employers (50+ FTEs) to offer affordable coverage or pay a penalty (Correct answer)

Correct answer: Requirement for large employers (50+ FTEs) to offer affordable coverage or pay a penalty

The ACA employer shared responsibility provision requires applicable large employers with 50 or more full-time equivalent employees to offer affordable, minimum-value coverage or face penalties.

Question 25: A consumer's ex-spouse calls a CAC claiming to be authorized to make changes to the consumer's Marketplace account. The CAC should:

Require written proof of legal authorization such as a power of attorney before taking any action (Correct answer)
Make the changes if the caller knows the consumer's date of birth and address
Ask the consumer via text message and proceed if there is no response within 24 hours
Refuse all third-party account changes as prohibited

Correct answer: Require written proof of legal authorization such as a power of attorney before taking any action

Verbal claims of authorization are insufficient; a CAC must verify legal authority through documented authorization before allowing a third party to modify an account.

Question 26: Under the ACA, what is the maximum number of metal tier plans a consumer can enroll in simultaneously through the Marketplace?

As many as they can afford
One (Correct answer)
Two — one medical and one dental
Three — one per family member

Correct answer: One

A consumer can only be enrolled in one Marketplace Qualified Health Plan at a time, though they may also enroll in a separate stand-alone dental plan.

Question 27: A former consumer contacts a CAC organization requesting that their records be deleted. What is the organization's correct response?

Deny the request without explanation
Transfer the records to a third party before deleting the organization's copy
Delete all records immediately upon request
Inform the consumer that records must be retained per federal requirements but explain their rights under applicable law (Correct answer)

Correct answer: Inform the consumer that records must be retained per federal requirements but explain their rights under applicable law

Federal record retention requirements may obligate the organization to retain records for a specified period regardless of deletion requests, though consumers must be informed of their rights.

Question 28: Which ACA provision allows young adults to remain on a parent's health insurance plan?

Young adult coverage up to age 26 (Correct answer)
Student health plan extension to age 23
The dependent care provision up to age 19
Dependent coverage until marriage or employment

Correct answer: Young adult coverage up to age 26

The ACA requires plans that cover dependents to offer coverage to adult children up to age 26, regardless of student, marital, or financial dependency status.

Question 29: How do CSRs affect the actuarial value of a Silver plan for eligible consumers?

They have no effect on plan value
They increase it, potentially making it equivalent to Gold or Platinum coverage (Correct answer)
They reduce it to Bronze-level coverage
They only apply to preventive services

Correct answer: They increase it, potentially making it equivalent to Gold or Platinum coverage

CSRs effectively increase the actuarial value of a Silver plan, meaning the plan pays a higher share of covered costs for eligible enrollees.

Question 30: What should a CAC do if they are unsure about how to assist a consumer?

Tell the consumer to find help elsewhere.
Give general advice.
Consult training resources or ask a supervisor (Correct answer)
Guess based on past experiences.

Correct answer: Consult training resources or ask a supervisor

CACs are expected to provide accurate and reliable information. If a CAC is unsure, guessing or providing general advice can lead to misinformation and negative consequences for the consumer. Consulting official training materials or seeking guidance from a supervisor ensures that the consumer receives correct and compliant assistance, maintaining the integrity of the CAC program.

Question 31: What is the role of a Certified Application Counselor (CAC) under the ACA?

To determine Medicaid eligibility on behalf of the state
To sell and earn commissions on health plans
To provide free, unbiased help with Marketplace applications without selling plans (Correct answer)
To audit insurer compliance with ACA rules

Correct answer: To provide free, unbiased help with Marketplace applications without selling plans

CACs are trained to provide free, impartial assistance helping consumers understand and enroll in Marketplace coverage, but they do not sell insurance or receive commissions.

Question 32: What is 'guaranteed issue' under the ACA?

The assurance that all claims will be paid
A guarantee of government subsidies for all applicants
The requirement that insurers must accept all applicants regardless of health status (Correct answer)
The guarantee that premiums will not increase

Correct answer: The requirement that insurers must accept all applicants regardless of health status

Guaranteed issue means health insurers must offer and sell coverage to any applicant who applies during open or special enrollment, regardless of pre-existing conditions.

Question 33: A consumer loses their job on March 15. How long do they typically have to elect COBRA continuation coverage?

30 days from the qualifying event
90 days from the last day of employment
60 days from notice of COBRA rights (Correct answer)
6 months from the qualifying event

Correct answer: 60 days from notice of COBRA rights

COBRA law gives qualified beneficiaries 60 days from the date of the COBRA election notice (or loss of coverage, whichever is later) to elect continuation coverage.

Question 34: A CAC who suspects a consumer is a victim of domestic violence notices the consumer's abuser is listed as an authorized representative on the account. The CAC should:

File a domestic violence report with local law enforcement on the consumer's behalf
Privately inform the consumer of their right to update or remove authorized representatives and connect them with appropriate resources (Correct answer)
Contact the authorized representative to resolve the situation
Remove the authorized representative immediately without informing the consumer

Correct answer: Privately inform the consumer of their right to update or remove authorized representatives and connect them with appropriate resources

CACs must respect consumer autonomy while ensuring they are informed of their rights regarding account access; connecting them with resources protects safety without overriding their decisions.

Question 35: A CAC realizes after completing an enrollment that they made an error that resulted in the client receiving incorrect subsidies. What is the ethical course of action?

Say nothing and hope the error is not detected
Blame the client for providing wrong information
Contact the client, explain the error, and take steps to correct the enrollment (Correct answer)
Delete the enrollment record and start over without informing anyone

Correct answer: Contact the client, explain the error, and take steps to correct the enrollment

Ethical conduct requires CACs to acknowledge and correct mistakes promptly to prevent harm to the client.

Question 36: A pregnant woman applying for coverage should be informed that pregnancy alone qualifies her for what type of Special Enrollment Period trigger?

Exceptional circumstances SEP
Gaining a dependent or marriage
Loss of minimum essential coverage
Birth, adoption, or placement for foster care (Correct answer)

Correct answer: Birth, adoption, or placement for foster care

A baby's birth (anticipated or actual) qualifies as a life event triggering a Special Enrollment Period under the birth/adoption/foster care category.

Question 37: Which ACA requirement ensures that a health plan covers a broad range of services including hospitalization, maternity care, and mental health?

Essential Health Benefits (EHB) requirement (Correct answer)
Actuarial value rule
Community rating provision
Minimum value standard

Correct answer: Essential Health Benefits (EHB) requirement

The ACA's Essential Health Benefits requirement mandates that individual and small group plans cover ten categories of services, including hospitalization, maternity, mental health, and more.

Question 38: What is the income threshold (as a percentage of the Federal Poverty Level) above which individuals are NOT eligible for Medicaid under standard ACA expansion rules for adults?

100% FPL
200% FPL
133% FPL (effectively 138% with 5% disregard) (Correct answer)
150% FPL

Correct answer: 133% FPL (effectively 138% with 5% disregard)

ACA Medicaid expansion covers adults up to 133% FPL; with the standard 5% income disregard, the effective threshold is 138% FPL.

Question 39: What is the primary purpose of a CAC providing a consumer with a privacy notice?

To obtain consent to sell their data to third-party marketers
To satisfy a legal requirement that automatically authorizes data sharing
To inform the consumer about how their information will be collected, used, and protected (Correct answer)
To replace the Marketplace's own privacy disclosure requirements

Correct answer: To inform the consumer about how their information will be collected, used, and protected

Privacy notices inform consumers of their rights and explain how the CAC organization collects, uses, and safeguards their personal information.

Question 40: Under the ACA, which of the following is NOT considered a minimum essential coverage (MEC) type?

A short-term limited-duration health plan (Correct answer)
Medicaid
CHIP
Medicare Part A

Correct answer: A short-term limited-duration health plan

Short-term limited-duration plans are explicitly excluded from the definition of minimum essential coverage under the ACA.

Question 41: Which of the following is an example of a permissible use of consumer information collected during enrollment?

Publishing consumer success stories using real names without prior written consent
Selling aggregated enrollment data to a health analytics firm
Contacting a consumer to inform them of an upcoming enrollment deadline affecting their current plan (Correct answer)
Sharing a consumer's contact information with a community health center for follow-up outreach without consent

Correct answer: Contacting a consumer to inform them of an upcoming enrollment deadline affecting their current plan

Contacting a consumer about their own enrollment timeline is a permissible use of their contact information for the purpose for which it was collected.

Question 42: Under the ACA, what is the primary purpose of the Advanced Premium Tax Credit (APTC)?

To provide a tax deduction for those who purchase off-Marketplace plans.
To cover all out-of-pocket costs like deductibles and copayments.
To lower the monthly health insurance premium for eligible individuals and families. (Correct answer)
To reimburse individuals for medical services already received.

Correct answer: To lower the monthly health insurance premium for eligible individuals and families.

The Advanced Premium Tax Credit (APTC) is a subsidy the federal government pays directly to the insurance company to lower the consumer's monthly premium for plans purchased through the Health Insurance Marketplace.

Question 43: A transgender client is concerned about how their gender identity will appear on their health insurance. A CAC should:

Advise the client to apply under their assigned sex at birth to avoid complications
Explain that the Marketplace uses the name and gender the applicant provides and connect them with resources about coverage of gender-affirming care (Correct answer)
Refuse to discuss gender identity as it is outside the CAC's scope
Tell the client their legal name and sex must match government records exactly and no accommodation is possible

Correct answer: Explain that the Marketplace uses the name and gender the applicant provides and connect them with resources about coverage of gender-affirming care

Marketplace applications use the name and gender the applicant provides, and CACs should also connect transgender clients with information about relevant coverage protections.

Question 44: How long are CACs generally required to retain consumer records and application documentation?

Until the consumer's coverage terminates
At least 3 years, or as specified by their certifying entity or state law (Correct answer)
6 months after the plan year ends
10 years, in line with federal tax record rules

Correct answer: At least 3 years, or as specified by their certifying entity or state law

HHS and most certifying entities require CACs to retain consumer records for a minimum of 3 years, though state laws or organizational policies may require longer retention.

Question 45: Under the ACA, which metal tier plan has the HIGHEST actuarial value?

Bronze
Platinum (Correct answer)
Gold
Silver

Correct answer: Platinum

Platinum plans have the highest actuarial value at approximately 90%, meaning the plan pays about 90% of covered medical costs on average.

Question 46: A CAC is fluent in Spanish and assists a Spanish-speaking client without an interpreter. After enrollment, the client says they did not understand several key points. What does this scenario highlight?

That CACs should always use certified interpreters regardless of their own language skills
That enrollments conducted in languages other than English are automatically invalid
That the client is responsible for communicating confusion during the session
That the CAC should have confirmed client understanding throughout the session rather than just at the end (Correct answer)

Correct answer: That the CAC should have confirmed client understanding throughout the session rather than just at the end

CACs have an ethical duty to verify client comprehension throughout the session, not only at the end, to ensure truly informed enrollment.

Question 47: Under CAC ethical standards, how should a CAC handle a situation where they are not able to answer a client's complex tax question related to the premium tax credit?

Provide a best guess to avoid seeming unknowledgeable
Tell the client the question is irrelevant to enrollment
Proceed with enrollment without addressing the question
Acknowledge the limitation and refer the client to a tax professional or IRS resources (Correct answer)

Correct answer: Acknowledge the limitation and refer the client to a tax professional or IRS resources

CACs must operate within their scope of expertise and refer clients to appropriate professionals when questions exceed that scope.

Question 48: What should a CAC do if they suspect a data breach?

Report it immediately to the appropriate authority (Correct answer)
Wait until the consumer notices.
Ignore it unless confirmed.
Delete the affected information quietly.

Correct answer: Report it immediately to the appropriate authority

Suspecting a data breach requires immediate action to mitigate potential harm and ensure compliance with reporting requirements. Reporting it promptly to the designated authority (e.g., supervisor, security officer) allows for proper investigation, containment, and notification procedures to be initiated, protecting consumer data and organizational integrity.

Question 49: What is COBRA continuation coverage?

A federal program for low-income families
A Marketplace plan for self-employed workers
Medicare's prescription drug benefit
A law allowing people to temporarily keep employer-sponsored health coverage after losing job-based coverage (Correct answer)

Correct answer: A law allowing people to temporarily keep employer-sponsored health coverage after losing job-based coverage

COBRA (Consolidated Omnibus Budget Reconciliation Act) lets qualifying individuals continue their employer-sponsored group health coverage for a limited period after leaving employment.

Question 50: Which of the following actions represents a violation of the 'principle of least privilege' regarding access to consumer PII?

Accessing only the financial section of an application to help a consumer with income questions.
Using a unique, complex password to log into the Marketplace portal.
Allowing all CACs at an organization to use a single, shared username and password for the system to make helping consumers faster. (Correct answer)
Securing paper applications in a locked file cabinet at the end of the day.

Correct answer: Allowing all CACs at an organization to use a single, shared username and password for the system to make helping consumers faster.

The principle of least privilege dictates that a user should only have the minimum access necessary to perform their job functions. Sharing a single login credential violates this by giving multiple users broad, unaudited access and makes it impossible to trace actions back to a specific individual. Individual accounts ensure accountability and limit potential damage if credentials are compromised.

Question 51: Under Medicaid, what does the term 'spend-down' refer to?

Mandatory enrollment in a managed care plan
Reducing income to qualify by deducting medical expenses (Correct answer)
Spending down savings to qualify for Medicare
Paying the premium in advance for the plan year

Correct answer: Reducing income to qualify by deducting medical expenses

A Medicaid spend-down allows individuals whose income exceeds the limit to deduct medical expenses until their net income falls within eligibility thresholds.

Certified Application Counselor (CAC) Certification Exam

The CMS Certified Application Counselor (CAC) exam certifies individuals to help consumers apply for and enroll in health coverage through the ACA Marketplace. It covers ACA law, marketplace plan options, eligibility, privacy and security standards, ethics, and serving diverse populations.

Questions

90 min

Time Limit

70%

To Pass

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