2026 Federally‑facilitated Marketplace (FFM) Agent/Broker Certification Practice Exam

The statement regarding the health plan tiers in the Federally-facilitated Marketplace that is true is that higher tiers generally have lower out-of-pocket costs.

In the FFM, health plans are categorized into specific tiers based on their actuarial value, which indicates the percentage of health care costs the plan will cover for an average population. As you move up to higher tiers—such as Platinum and Gold—the plans tend to cover a larger share of the healthcare costs, resulting in lower out-of-pocket expenses for the insured. This means individuals in higher-tier plans will typically face lower deductibles, co-pays, and coinsurance when receiving care.

In contrast, lower-tier plans—such as Bronze and Silver—often have higher out-of-pocket costs despite lower premiums. This tiered structure is designed to give consumers options based on their financial situation and healthcare needs, while keeping in mind that the overall value of coverage improves with higher tiers.

The other choices do not accurately reflect the structure of health plan tiers in the FFM. For instance, each tier does not cover the exact same services, as there can be variations based on specific plan designs. While all plans must meet certain essential health benefits, they are not required to offer identical coverage. Additionally