Before an agent may sell Qualified Health Plans through Covered California, the agent must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Agents and brokers who sell QHPs through Covered California must complete the exchange's own certification program — training and registration requirements plus a participation agreement — before they can assist consumers with marketplace enrollment. The certification ensures that sellers understand the exchange's products, subsidies, and compliance rules. This agent certification requirement is a distinct California exam point: exchange sales are not automatically open to every licensed agent, and certification must be maintained. Without it, an agent cannot lawfully facilitate Covered California enrollment for compensation.
Why the other options are wrong
- B) A property and casualty license does not authorize selling health coverage through Covered California; a life/health license plus exchange certification is required, so this answer holds the wrong credential.
- C) DMHC regulates HMO plans, but Covered California agent certification is administered by the exchange itself, not by DMHC appointment, so this answer points to the wrong regulator.
- D) No federal actuarial exam is required for marketplace sales; the requirement is the exchange's certification program, so this answer invents a credential the law never demands.
Memory hook
Marketplace sales need the exchange's hall pass: complete Covered California's training and agreement first.