2026 FFM AGENT BROKER
CERTIFICATION PRACTICE
EXAM Question 1: What is the primary purpose of the Federally-facilitated Marketplace
(FFM)?
Choices:
1) To provide free healthcare to all US citizens 2) To replace Medicare and Medicaid programs 3) To provide a platform for individuals and small businesses to compare and purchase health insurance 4) To regulate out-of-network provider fees Correct Answer: To provide a platform for individuals and small businesses to compare and purchase health insurance Explanation: The FFM was established by the ACA to o�er a transparent and competitive market where individuals and small employers can buy quali�ed health plans.Page 1
Question 2: Which of the following best describes a Quali�ed Health Plan (QHP)?
Choices:
1) Any health insurance plan sold in the United States 2) A health plan that is certi�ed by the Marketplace, provides essential health bene�ts, and follows established limits on cost-sharing 3) A health plan exclusively for low-income individuals 4) A supplemental insurance plan for dental and vision only Correct Answer: A health plan that is certi�ed by the Marketplace, provides essential health bene�ts, and follows established limits on cost-sharing Explanation: A QHP is certi�ed by the Marketplace, covers Essential Health Bene�ts (EHBs), and complies with ACA cost-sharing limits and other requirements.
Question 3: What is the maximum age a young adult can stay on their parent's
health insurance plan under the ACA?
Choices:
1) 21 2) 24 3) 26 4) 30
Correct Answer: 26
Explanation: The ACA allows young adults to remain on their parent's health insurance policy until they turn 26, regardless of marital or student status.Page 2
Question 4: Under the ACA, health insurance issuers are prohibited from refusing
coverage due to:
Choices:
1) Failure to pay premiums 2) Fraudulent application information 3) Pre-existing conditions 4) Residing outside the plan's service area
Correct Answer: Pre-existing conditions
Explanation: A core protection of the ACA is the prohibition against denying coverage or charging higher premiums based on pre-existing health conditions.Question 5: Which metallic tier generally o�ers the lowest monthly premium but the highest out-of-pocket costs when care is received?
Choices:
1) Bronze 2) Silver 3) Gold 4) Platinum
Correct Answer: Bronze
Explanation: Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums among the metallic tiers.Page 3