In California, before an agent may submit an application for a Qualified Health Plan (QHP) through Covered California, the agent must first:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The A&H objectives state that agents writing applications for qualified health plans through Covered California must first complete all Covered California agent agreements and certification requirements. This certification ensures that producers understand exchange rules, eligibility, tax credit administration, and enrollment procedures before assisting consumers. The requirement is part of the California exchange material under AH-III.C.5 and does not depend on any federal CMS license or surplus lines registration. Completing the agreements and certification is a precondition to submitting QHP applications on behalf of consumers.
Why the other options are wrong
- B) CMS does not issue agent licenses; state licensing and Covered California certification govern exchange sales.
- C) Surplus lines broker status is unrelated to selling QHPs through the state exchange.
- D) AB 943 eliminated line-specific prelicensing courses, so a 40-hour course is not the requirement for exchange applications.
Memory hook
No Covered California certification, no exchange applications.