State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Before an agent may write applications for 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 C is correct
Agents who write applications for Qualified Health Plans through Covered California must first complete all Covered California agent agreements and certification requirements. Certification ensures the agent understands exchange enrollment rules, subsidy calculations, and consumer protections. An agent is not employed by the exchange, does not need a federal CMS license, and the California insurance license exam is separate from exchange certification.
Why the other options are wrong
- A) Agents remain independent and are not employees of Covered California; employment is not required or standard.
- B) CMS licensing is not required for exchange agents; certification is done through Covered California itself.
- D) The PSI-administered state insurance license exam qualifies the agent for a license but is not the same as Covered California certification.
Memory hook
To sell QHPs: sign Covered California's agreements, pass its certification. No federal license, no exchange payroll.