Paula wants to post an online advertisement to help enroll in Marketplace coverage. Which type of ad could CMS consider misleading?

• A. An ad that promises guaranteed enrollment in a plan
• B. An ad that clearly states terms and costs
• C. An ad that accurately describes plan benefits
• D. An ad that includes a link to the official CMS site

Answer: (A)

Advertisements for Marketplace coverage must be truthful and avoid creating unrealistic expectations. An ad that promises guaranteed enrollment is misleading because it suggests people will be enrolled no matter what, which isn’t how enrollment works. Eligibility, plan availability, and enrollment steps all influence whether someone can enroll, so implying guaranteed acceptance misleads consumers about their actual options and outcomes.

Ads that clearly state terms and costs, accurately describe plan benefits, or provide a link to the official CMS site are appropriate because they convey factual information and guide users to reliable sources.