CMS FFM Agent study guide
CMS FFM Agent · Work through your exam, one topic at a time.
The CMS FFM Agent credential refers to the certification a person completes to be registered with the Centers for Medicare & Medicaid Services (CMS) as an agent or broker who can help consumers enroll in coverage through the Federally-facilitated Marketplace. CMS maintains a dedicated Agents & Brokers section on CMS.gov, with sub-pages covering registration and training, open enrollment, direct enrollment partners, general resources, a video learning center, an Agent & Broker FAQ, Marketplace help desk and call centers, the Registration Completion List, the Marketplace Registration Tracker, and the AB Suspension & Termination List. The CMS FFM Agent study guide has 4 sections and about 1,734 words.
01Marketplace registration and training
Domain 1 tests the administrative path that makes an agent or broker legally able to assist consumers in the Federally-facilitated Marketplace (FFM). The exam expects you to know the sequence, the annual nature of the requirements, and the difference between state licensure and federal Marketplace registration.
445 words, about 2 min02Marketplace eligibility and enrollment
Domain 2 tests who is eligible for Marketplace coverage and financial assistance, and when a consumer may enroll. Expect questions on advance premium tax credits (APTC), cost-sharing reductions (CSR), open enrollment, special enrollment periods (SEPs), and verification.
454 words, about 2 min03Plan and benefit information
Domain 3 tests how to read and explain QHP benefit designs: metal tiers, actuarial value, cost-sharing reductions, essential health benefits, networks, and required disclosures. Metal tiers reflect actuarial value (AV): Bronze 60%, Silver 70%, Gold 80%, Platinum 90%.
445 words, about 2 min04Consumer protections and compliance
Domain 4 tests the consumer-protection and compliance rules that apply to FFM agents and brokers: privacy, nondiscrimination, marketing conduct, appeals, and recordkeeping. Guaranteed issue and renewability: QHP issuers cannot deny coverage or charge more because of health status, and cannot rescind coverage except for fraud or intentional misrepresentation.
390 words, about 2 min