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Feds Announce Broker/Agent Roles in Health Insurance Exchanges

From the National Business Coalition on Health:  Agents and brokers intending to work with consumers in federally-facilitated (the type TN will have) and state partnership exchanges will be able to assist consumers in two ways: (a) an issuer-based pathway, through which an agent or broker uses an issuer’s website to assist the consumer; or (b) an exchange pathway, through which an agent or broker assists the consumer using the exchange website. In states where a federally-facilitated or partnership is operating, all agents and brokers must register with CMS and complete a training course. This online registration process administered by CMS will begin in the summer of 2013, prior to open enrollment. Agents and brokers working in states with state-based exchanges will still need to register with the state exchange and follow any processes and requirements of that state exchange.

The Center for Consumer Information and Insurance Oversight (CCIIO) within CMS released this new guidance document describing the roles agents and brokers can play in the new ACA-created health insurance exchanges. The guidance acknowledges that agents and brokers have an important role to play in helping consumers - both individuals and small businesses - understand the new exchanges. 

Section I of this document provides a high-level overview of the role of agents and brokers, including web-brokers, in federally-facilitated exchanges and state partnership model exchanges. In section II, CMS addresses common questions raised by states and other stakeholders on the role of agents and brokers in all exchanges, including state-based exchanges. In section III, CMS addresses questions specific to web-brokers. The guidance document also contains a process flowchart to illustrate how agents and brokers will assist consumers through both the issuer-based and exchange pathways.

Read the document for more.

Posted by Cristie Travis at 7:00 AM

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