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108+ Free AHIP Medicare Practice Questions

Prepare for the AHIP Medicare Certification exam with instant access — no signup required.

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2026 Statistics

Key Facts: AHIP Medicare Exam

50

Final Exam Questions

AHIP

90%

Passing Score (45/50)

AHIP

No

Open Book

AHIP Medicare Training FAQ

$175

Standard Price

Standard rate; carrier-specific rates may vary

Annual

Recertification Required

Plan year 2027 is available now

$2,400

2027 Part D OOP Threshold

CMS CY2027 Rate Announcement

$700

2027 Part D Deductible

CMS CY2027 Rate Announcement

The AHIP Medicare final contains 50 randomly selected questions, allows 2 hours, and requires 90% (45/50). AHIP's public FAQ states that it is not open book. Plan year 2027 training is available now. For 2027, know the $700 Part D deductible, $2,400 out-of-pocket threshold, removal of the fixed 48-hour SOA wait, and the updated educational-to-marketing event transition rule.

Sample AHIP Medicare Practice Questions

Try these sample questions to test your AHIP Medicare exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 108+ question experience with AI tutoring.

1Original Medicare consists of which two parts?
A.Part A (Hospital) and Part B (Medical)
B.Part A (Hospital) and Part D (Prescription Drug)
C.Part B (Medical) and Part C (Medicare Advantage)
D.Part C (Medicare Advantage) and Part D (Prescription Drug)
Explanation: Original Medicare is the fee-for-service program administered directly by CMS and is made up of Part A (hospital insurance) and Part B (medical insurance). Part C (Medicare Advantage) is a private alternative to Original Medicare, and Part D is the optional outpatient prescription drug benefit delivered through private plans.
2Which scenario qualifies a person under age 65 for Medicare eligibility?
A.Receiving Social Security disability benefits for 24 months
B.Being unemployed for 12 months
C.Earning less than 100% of the Federal Poverty Level
D.Having a household member enrolled in Medicare
Explanation: People under 65 qualify for Medicare after receiving Social Security Disability Insurance (SSDI) for 24 months. They are also eligible immediately upon diagnosis of End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig's disease, no waiting period). Income, household status, and unemployment do not by themselves create Medicare eligibility.
3Most people pay no monthly premium for Medicare Part A. What is the eligibility requirement for premium-free Part A?
A.The beneficiary or their spouse paid Medicare taxes for at least 40 quarters (10 years)
B.The beneficiary's annual income is below $50,000
C.The beneficiary is enrolled in Medicaid
D.The beneficiary has been a U.S. citizen for at least 20 years
Explanation: Premium-free Part A is earned by paying Medicare payroll taxes (FICA) for at least 40 quarters — equivalent to 10 years of work. Eligibility transfers from a spouse, so a non-working spouse also gets premium-free Part A based on the working spouse's record. People with fewer quarters can buy Part A but pay a monthly premium.
4What is the standard monthly Medicare Part B premium for 2026?
A.$185.00
B.$174.70
C.$202.90
D.$233.00
Explanation: The standard Part B premium for 2026 is $202.90 per month, an increase of $17.90 (about 9.7%) from the 2025 standard premium of $185.00. Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of the standard premium, ranging up to $689.90 in 2026.
5What is the 2026 annual deductible for Medicare Part B?
A.$240
B.$257
C.$283
D.$0 — there is no Part B deductible
Explanation: The Part B annual deductible for 2026 is $283, up from $257 in 2025. Beneficiaries must meet this deductible before Medicare pays its 80% share of most outpatient services; the beneficiary then pays the remaining 20% coinsurance.
6Once a beneficiary meets the Part B deductible, what is their typical cost share for most Medicare-approved outpatient services?
A.10% coinsurance
B.20% coinsurance
C.50% coinsurance
D.$25 flat copay
Explanation: After meeting the annual Part B deductible, beneficiaries typically owe 20% coinsurance of the Medicare-approved amount for most physician services, outpatient care, and durable medical equipment. Original Medicare has no annual out-of-pocket maximum, which is why many beneficiaries purchase a Medigap policy or enroll in a Medicare Advantage plan.
7Which of the following services is generally NOT covered by Original Medicare?
A.Inpatient hospital stays
B.Routine dental, vision, and hearing exams
C.Outpatient physician visits
D.Skilled nursing facility care after a qualifying hospital stay
Explanation: Original Medicare does not cover routine dental, vision, or hearing exams or related appliances (dentures, eyeglasses, hearing aids). These benefits are commonly bundled into Medicare Advantage (Part C) plans, which is one of the most cited reasons beneficiaries choose MA over Original Medicare.
8How does a Medicare Supplement (Medigap) policy interact with Medicare Advantage?
A.Medigap pays secondary to a Medicare Advantage plan
B.It is illegal for an agent to knowingly sell a Medigap policy to someone enrolled in a Medicare Advantage plan
C.Medigap is required for anyone enrolling in Medicare Advantage
D.Medigap automatically converts to a Part D plan when MA enrollment occurs
Explanation: Federal law prohibits knowingly selling a Medigap policy to someone enrolled in a Medicare Advantage plan, because Medigap is designed to fill gaps in Original Medicare and provides no benefit to MA enrollees. Selling one anyway is an illegal practice that can result in fines and license revocation. Beneficiaries who switch to MA should typically drop their Medigap policy.
9When is the Medigap Open Enrollment Period during which beneficiaries have a guaranteed-issue right to any Medigap policy without medical underwriting?
A.The 6-month period that begins the month they turn 65 and are enrolled in Part B
B.Any time during the AEP (October 15-December 7)
C.The Initial Enrollment Period for Part A
D.The first 90 days after Part A entitlement
Explanation: The federal Medigap Open Enrollment Period is a one-time, 6-month window that begins the first month a beneficiary is age 65 or older AND enrolled in Part B. During this window, any Medigap insurer must sell any policy at the best available rate without medical underwriting. Outside this window, insurers in most states can use underwriting and may decline coverage.
10Which statement about Medicare Part D is correct?
A.Part D is offered only through Original Medicare
B.Part D plans are administered by private insurers under contract with CMS
C.All Medicare beneficiaries are automatically enrolled in Part D
D.Part D covers only generic medications
Explanation: Part D outpatient prescription drug coverage is delivered exclusively through private insurance companies contracted with CMS, either as a stand-alone Prescription Drug Plan (PDP) attached to Original Medicare or as part of a Medicare Advantage Prescription Drug plan (MAPD). Enrollment is voluntary, but a late-enrollment penalty applies if eligible beneficiaries delay without other creditable coverage.

About the AHIP Medicare Exam

Plan-year-specific Medicare and FWA training used by many carriers before agents may market Medicare Advantage and Part D plans. The formal final has 50 questions; the separate practice bank is a study resource and does not define the official exam total.

Assessment

5 Medicare training modules followed by a 50-question final exam with a 2-hour timer; not open book

Time Limit

2 hours

Passing Score

90%

Exam Fee

$175 (America's Health Insurance Plans (AHIP))

AHIP Medicare Exam Content Outline

Not published

Module 1 — Medicare Basics

Parts A, B, C, D; Original Medicare vs. MA; Medigap interaction; eligibility; enrollment periods (IEP, AEP Oct 15-Dec 7, MA OEP Jan 1-Mar 31, SEPs)

Not published

Module 2 — Medicare Advantage Plans

Part C plan types: HMO, HMO-POS, PPO, PFFS, MSA, and Special Needs Plans (D-SNP, C-SNP, I-SNP) — provider networks, referrals, MOOP

Not published

Module 3 — Part D Prescription Drug Plans

Formularies and tiers, LIS/Extra Help, the 2027 benefit ($2,400 OOP threshold, $700 maximum deductible), Medicare Prescription Payment Plan

Not published

Module 4 — Marketing, Sales & Compliance

CY2027 marketing rules, Scope of Appointment without a fixed 48-hour wait, event-transition notice, Pre-Enrollment Checklist, prohibited practices, and call recording

Not published

Module 5 — Fraud, Waste & Abuse + General Compliance

FWA definitions and reporting, HIPAA, False Claims Act, Anti-Kickback Statute, Stark Law, OIG exclusion list, mandatory annual training

How to Pass the AHIP Medicare Exam

What You Need to Know

  • Passing score: 90%
  • Assessment: 5 Medicare training modules followed by a 50-question final exam with a 2-hour timer; not open book
  • Time limit: 2 hours
  • Exam fee: $175

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

AHIP Medicare Study Tips from Top Performers

1Master the enrollment periods cold — IEP (7-month window around 65), AEP (Oct 15-Dec 7), MA OEP (Jan 1-Mar 31, MA-only), and SEPs. CMS-marketing module questions hinge on knowing which period allows which change.
2For CY2027, remember that an SOA is still required before the personal marketing appointment, but there is no fixed 48-hour wait or exception framework.
3Know the prohibited marketing practices verbatim: no unsolicited cold calls, no door-to-door, no cross-selling non-health products at the same appointment, no offering gifts over $15 nominal value.
4Drill the four SNP types — D-SNP (dual-eligible), C-SNP (chronic condition), I-SNP (institutional) — and understand model-of-care requirements. SNPs appear in nearly every AHIP exam.
5Prepare for a closed-resource final: AHIP's public FAQ expressly says the exam is not open book, and navigating away from the exam window can remove the attempt.

Frequently Asked Questions

When will the 2027 AHIP cheat sheet be available?

It is available now. Open Exam Prep updated the AHIP cheat sheet for plan year 2027 on July 16, 2026, including the $700 Part D deductible, $2,400 out-of-pocket threshold, closed-resource final exam rule, and CY2027 marketing changes.

Do I really have to take AHIP every year?

Yes. AHIP certification is plan-year specific, and many carriers require annual Medicare and FWA training before agents may market their Medicare Advantage or Part D products. AHIP's portal currently offers plan year 2027 training.

How many attempts do I get and what happens if I fail?

Attempt and repurchase terms can depend on how you access the course. Confirm them in the current AHIP portal or carrier-specific path. The formal final is 50 questions with a 90% passing score, and AHIP's public FAQ says it is not open book.

Why do carriers require AHIP if I already have a state insurance license?

A state life and health license authorizes you to sell insurance, but CMS requires that anyone marketing Medicare Advantage or Part D plans complete annual product, marketing, and FWA training. Carriers use AHIP (or NABIP) to satisfy that CMS requirement and document compliance before letting you submit MA/PDP applications.

What is actually covered on the AHIP exam?

Five Medicare modules cover Medicare basics, Medicare Advantage plan types, Part D prescription drug plans, marketing and enrollment compliance, and fraud, waste, abuse, and general compliance. AHIP does not publish percentage weights for those modules in its public FAQ.

Can I take NABIP instead of AHIP?

Many carriers accept NABIP Medicare certification as an alternative to AHIP, but not all. Always check your specific carrier's certification requirements before substituting. Some carriers require AHIP specifically; others accept either. NABIP is sometimes priced lower than the $175 AHIP fee.

What changed for plan year 2027?

CMS set the 2027 standard Part D deductible at $700 and the annual out-of-pocket threshold at $2,400. CY2027 marketing removes the fixed 48-hour SOA wait and the 12-hour event delay, while still requiring an SOA before the appointment and notice before an educational event transitions to marketing.