America’s Health Insurance Plans (AHIP) 5 Practice Test

Signing rules when one spouse is unable to sign.

The other spouse may sign on her behalf. Only the spouse who is the enrollee can sign her enrollment form. An agent can sign for both. A legal guardian must sign.

Correct Answer:

Only the spouse who is the enrollee can sign her enrollment form.

Explanation:

The key idea is that enrollment requires the enrollee’s own signature to confirm consent and accuracy. The enrollment form is a formal agreement between the plan and the person being enrolled, and the enrollee must personally attest that the information is correct and that she agrees to the terms, including any premium obligations. A spouse signing on her behalf would not verify her consent, which could lead to misrepresentation or disputes about coverage. Therefore, the only acceptable signer is the enrollee herself. If she can’t sign, other legal mechanisms (like a power of attorney or guardian) would need to be in place, but those aren’t implied by the given options.

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