Web-brokers in the Health Insurance Marketplace

Web-broker Application Process

A web-broker is an individual agent or broker, a group of agents and brokers, or a company that is interested in providing a non-Federally-facilitated Marketplace (FFM) website to assist consumers in the qualified health plan (QHP) selection and enrollment process as described in 45 CFR.§ 155.220(c)(3). FFM web-brokers must meet CMS’ regulatory and technical requirements and establish an Internet website with an Application Program Interface (API) connection to the FFM.

Web-brokers must be able to implement the technical requirements to connect with the FFM through the Direct Enrollment pathway. These technical requirements include understanding how to create and digitally sign a Security Assertion Markup Language (SAML) response and how to invoke Simple Object Access Protocol (SOAP) web services.

For more information on the web-broker requirements and application process, please review the “Processes and Guidelines for Becoming a Web-broker in the Federally-facilitated Exchanges” document below and contact CMS at directenrollment@cms.hhs.gov if you are interested in moving forward with the process. Interested parties should also review the guidance document “Role of Agents, Brokers, and Web-brokers in the Health Insurance Marketplace.”




    2021 FFE Direct Enrollment Web-broker List

    Public 2021 FFE  Direct Enrollment Web Broker List (PDF)

    This list contains the names of direct enrollment web-brokers participating in the Federally-facilitated Exchanges (FFE) that have signed 2021 Web-broker Agreements with CMS and completed FFE registration for the 2021 plan year. This list contains web-brokers whose requirements have been verified to use the traditional direct enrollment pathway. CMS will update this list on a periodic basis. CMS maintains a separate list for entities approved to use the enhanced direct enrollment pathway.

    Direct Enrollment Help Desk

    For questions about web-broker participation in the FFMs, contact directenrollment@cms.hhs.gov.

    The Agents and Brokers Resources webpage contains additional resources for web-brokers.

    Enhanced Direct Enrollment Approved Partners

    The Centers for Medicare & Medicaid Services (CMS) developed a new ‘enhanced’ direct enrollment (EDE) pathway for consumers to enroll in health insurance coverage through the Federally-facilitated Exchange (FFE).  Through the EDE pathway, unlike the traditional DE pathway, consumers can apply, enroll, and manage coverage entirely on the partner’s website without going to HealthCare.gov.

    Please see additional information on the enhanced direct enrollment partners (PDF), which includes a public list of third-party entities approved for this pathway.

    The list of entities approved to use EDE is also available at the following link: https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/EDE-ApprovedPartners.