The Center for Consumer Information & Insurance Oversight
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 firstname.lastname@example.org 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.”
- May 22, 202
- March 21, 2020
- March 16, 2020
- December 10, 2019
- November 5, 2019
- August 2, 2019
- May 8, 2019
- November 28, 2018
- June 20, 2018
- October 2017
- February 2017
- November 2016
- October 2016
- July 2016
- January 2016
- April 2015
- April 2015
- March 2015
- February 2015
- September 2013
- October 2016
- Webinar Slides: Processes and Guidelines for Becoming a Web-broker in the Federally-facilitated Marketplaces: An Overview for New and Existing Web-brokers (PDF) (Slides from the October 17, 2016 Webinar)
- September 2015
- Webinar Slides: Web-broker 101 Webinar Slides (PDF) (Slides from the September 30, 2015 Webinar)
2020 FFE Direct Enrollment Web-broker List
This list contains the names of direct enrollment web-brokers participating in the Federally-facilitated Exchanges (FFE) that have signed 2020 Web-broker Agreements with CMS and completed FFE registration for the 2020 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 email@example.com.
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.
Resources for Agents and Brokers
- Resources for Agents and Brokers in the Health Insurance Marketplaces
- General Resources
- Plan Year 2020 Open Enrollment
- Plan Year 2020 Registration and Training
- Web-brokers in the Health Insurance Marketplace
- Help On Demand
- Video Learning Center
- Issuer and DE Partner Directory
- Agent/Broker FAQs
- Agent/Broker Newsletters
- Agent/Broker Help Desks
- Registration Completion List
- Agent/Broker Marketplace Registration Tracker
- Registration Termination List
- Find Local Help
- March 5, 2020 Information Related to COVID–19 Individual and Small Group Market Insurance Coverage
- March 12, 2020 FAQs on Essential Health Benefits Coverage and the Coronavirus (COVID-19)
- March 18, 2020 FAQs on Catastrophic Plan Coverage and the Coronavirus Disease 2019 (COVID-19)
- March 24, 2020 FAQs on Availability and Usage of Telehealth Services through Private Health Insurance Coverage in Response to Coronavirus Disease 2019 (COVID-19)
- March 24, 2020 Payment and Grace Period Flexibilities Associated with the COVID-19 National Emergency
- March 24, 2020 FAQs on Prescription Drugs and the Coronavirus Disease 2019 (COVID-19) for Issuers Offering Health Insurance Coverage in the Individual and Small Group Markets
- April 11, 2020 FAQs about Families First Coronavirus Response Act and the Coronavirus Aid, Relief, and Economic Security Act Implementation
*This document was updated on April 15, 2020, to correct an error in footnote 10 regarding the current end date of the public health emergency related to COVID 19.
- April 13, 2020 Postponement of 2019 Benefit Year HHS-operated Risk Adjustment Data Validation (HHS-RADV)