Broke, i think you've got the radios mixed up. HAM radio and MARINE radio both use VHF and HF frequencies but they are separately licensed radio services, with totally separate rules and licenses.
If you are studying the ham online program, that's for a HAM RADIO license which has nothing to do with MARINE radios or licenses. Ham radio operators have more privileges and flexibility, because they are expected to be experimenting with gear and modifying it.
If in doubt, check the BOATSAFE.COM web site for information about marine radios and licenses, or call the FCC's licensing division toll-free to ask them what you need for your plans.