Federally Facilitated Marketplace (FFM) Practice Exam

What could have prevented Tyler's father's and sister's coverage termination when Tyler enrolled on his own plan?

Tyler's father should have removed Tyler from their family application prior to Tyler submitting his own application. Tyler should have added his father and sister to his own application. The Marketplace would automatically duplicate coverage. The family should have stopped enrollment.

Correct Answer:

Tyler's father should have removed Tyler from their family application prior to Tyler submitting his own application.

Explanation:

When a household member enrolls in their own Marketplace plan, the system may terminate their existing family coverage to avoid overlapping plans. To prevent the father’s and sister’s coverage from ending, the family should remove Tyler from the family application before Tyler submits his own enrollment. That way, Tyler starts a separate plan without triggering a termination of the others’ coverage. The Marketplace doesn’t automatically duplicate coverage; it typically ends existing coverage if a person enrolls in another plan. Adding relatives to Tyler’s application wouldn’t stop the termination, and stopping enrollment wouldn’t fix the issue. Removing Tyler from the family application before he enrolls is the action that prevents the termination.

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