ISCEBS Fellow Practice Questions - Fellow, International Society of Certified Employee Benefit Specialists Exam - ISCEBS Fellow Practice Questions - Fellow, International Society of Certified Employee Benefit Specialists Exam

Question 1

An employer's grandfathered group health plan loses grandfathered status when which of the following occurs?

The plan adds a new optional rider without changing cost sharing The plan increases an employee's coinsurance percentage from 20% to 30% The plan changes a contracted network administrator but keeps benefits identical The plan updates summary plan description language for clarity only

Correct Answer:

The plan increases an employee's coinsurance percentage from 20% to 30%

Question 2

For 2026, the IRS-established employer mandate affordability percentage used to determine whether ACA coverage is affordable for employees is closest to which value?

8.39% 9.02% 9.96% 10.50%

Correct Answer:

9.96%

Question 3

Under the ACA's employer shared responsibility rules, an applicable large employer is generally one that employed how many full-time and full-time equivalent employees on average during the prior calendar year?

At least 25 At least 50 At least 100 At least 250

Correct Answer:

At least 50

Question 4

A self-funded group health plan sponsor wants to limit financial exposure from catastrophic individual claims while retaining most claim risk. Which arrangement directly addresses that goal?

Aggregate stop-loss only with a low attachment factor Specific (individual) stop-loss insurance with a per-person attachment point Fully insured medical contract with experience rating Health reimbursement arrangement integrated with major medical

Correct Answer:

Specific (individual) stop-loss insurance with a per-person attachment point

Question 5

Which feature most distinguishes a level-funded medical plan from a traditional self-funded plan?

Level-funded plans are always subject to state-mandated benefit laws Level-funded plans charge a fixed monthly amount that bundles expected claims, administration, and stop-loss Level-funded plans cannot include any stop-loss coverage Level-funded plans must be filed with state insurance departments as fully insured products

Correct Answer:

Level-funded plans charge a fixed monthly amount that bundles expected claims, administration, and stop-loss

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About this Exam

Prepare with the ISCEBS Fellow Practice Questions - Fellow, International Society of Certified Employee Benefit Specialists Exam practice quiz. This question bank includes 100 questions covering plan, employer, health, employee, and erisa. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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ISCEBS Fellow Practice Questions - Fellow, International Society of Certified Employee Benefit Specialists Exam

This practice set contains 100 questions from the matching question bank and focuses on plan, employer, health, employee, and erisa. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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ISCEBS Fellow Practice Questions - Fellow, International Society of Certified Employee Benefit Specialists Exam

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