Certified Application Counselor Practice Test

Which of the following is NOT a function of PII in marketplaces?

1. Displaying QHP options

2. Assisting in cost calculations

3. Processing eligibility appeals

4. Generating consumer profiles for advertising

The correct answer is: Generating consumer profiles for advertising

The correct answer indicates that generating consumer profiles for advertising is not a function of Personally Identifiable Information (PII) in marketplaces. PII primarily serves more essential roles in facilitating health insurance exchanges and ensuring that users can access the services they need. Displaying Qualified Health Plan (QHP) options involves using PII to show consumers the health plans available to them based on their personal circumstances, such as geographic location and income. This ensures that users can make informed choices about their health coverage. Assisting in cost calculations is another critical function of PII, as it allows marketplaces to compute potential premiums and out-of-pocket costs based on the individual's financial situation and enrollment details. This ensures transparency and helps consumers prepare financially for their health care expenses. Processing eligibility appeals involves utilizing PII to review and resolve discrepancies in consumer applications for health coverage. This ensures that individuals receive appropriate determinations regarding their eligibility for assistance programs or subsidized health plans. In contrast, generating consumer profiles for advertising does not align with the primary functions of PII in the context of health insurance marketplaces. The function of PII is more focused on ensuring access to necessary services rather than for marketing or advertising purposes, which may raise concerns regarding privacy and data security.