Resources for Agents and Brokers in the Health Insurance Marketplaces

Welcome

Welcome to the Agents and Brokers Resources webpage. This page is the primary outlet for agents and brokers to receive information from CMS about working in the Health Insurance Marketplace and the Small Business Health Options Program (SHOP).

Background

To the extent permitted by states, licensed agents and brokers may assist consumers determine their eligibility for insurance affordability programs, including advance payments of the premium tax credit and cost-sharing reductions, and enroll them in qualified health plans (QHPs).

Agents and brokers play a crucial role in educating consumers about the Health Insurance Marketplace, both during annual Open Enrollment and throughout the coverage year. Agents and brokers may also help employers understand their options for enrolling in SHOP coverage and assist them and their employees through the SHOP application and enrollment process.

Some states have set up their own State-based individual and small business Marketplaces, while the federal government runs the Individual Marketplace through HealthCare.gov and/or SHOP in other states. You can find out if a state is running its own Marketplace by visiting HealthCare.gov and selecting the state from the drop-down list. Agents and brokers can help consumers apply for and choose insurance options in any state in which the agents and brokers have an active state license that is approved for a health-related line of authority, regardless of whether the Marketplace is operated by the state or federal government.

Agents and brokers who wish to assist consumers in the Individual Marketplace on HealthCare.gov and/or SHOP must complete registration and required training on an annual basis—prior to assisting consumers enroll in a plan.

Plan Year 2023 Registration and Training is Live for New and Returning Agents and Brokers

Plan year 2023 Marketplace registration and training is now available for new and returning agents and brokers!

For more information on plan year 2023 registration and training, visit the Registration and Training page.

Latest News

Application Posted for the Plan Year 2024 Federally-facilitated Marketplace Agent and Broker Vendor Training Program

CMS is continuing the vendor training program for Marketplace agents and brokers for plan year 2024. Under this program, the Department of Health & Human Services (HHS) recognizes an agent’s or broker’s successful completion of a Marketplace training program from an approved vendor as sufficient to satisfy the requirement to receive training in the range of qualified health plan options and insurance affordability programs.

The Vendor Application is to be completed by entities requesting approval to host Federally-facilitated Exchange (FFE) training for agents and brokers for the 2024 plan year. Entities interested in hosting Marketplace training for plan year 2024 must comply with all requirements outlined in 45 C.F.R. § 155.222. Final approval for any vendor is contingent on signing an Agent Broker Vendor Agreement with CMS, approval of vendor’s final training content, approval of vendor’s information technology and data storage processes, adequate technical support, and compliance with applicable system standards and other regulatory requirements, including the requirement to offer continuing education units in at least five FFE or State-based Exchange on the Federal Platform (SBE-FP) states.

The plan year 2024 vendor application is now available here. Prospective vendors must submit all application materials to AgentBrokerVendor@cms.hhs.gov via email by 11:59 PM Eastern Time on January 13, 2023. Incomplete applications will not be reviewed and the applicant will be denied. For more information about the vendor training program and application process, please reference the Questions and Answers for the Plan Year 2024 Vendor Training Application. All questions and application materials should be directed to CMS at AgentBrokerVendor@cms.hhs.gov.

Upcoming Webinars and Office Hours

CMS hosts webinars and office hours throughout the year to help agents and brokers assist Marketplace consumers. For information on upcoming events, topics, and registration, please log on to REGTAP and register for Health Insurance Marketplace Updates for Agents and Brokers under Training Events.

Manage your Email Preferences

Agents and brokers can manager the emails they want to receive from the Marketplace by updating their subscriber preferences. To get started, visit the Subscriber Preferences webpage for HealthCare.gov emails, enter the email address at which you receive emails from CMS, and click "Continue."

To Subscribe to additional emails:

  1. Select the "Manage Subscriptions" tab.
  2. Click the "Add Subscriptions" link.
  3. Select the subscription topics on which you are interested in receiving information.
  4. Complete the Subscription questionnaire and click "Save"

To adjust the number of emails you'll receive:

  1. Select the "Email Frequency" tab.
  2. Complete the subscription questionnaire and click "Save."

If you need additional assistance, contact the Agent/Broker Email Help Desk at FFMProducer-AssisterHelpDesk@cms.hhs.gov.

Additional Resources

For a collection of notices including Eligibility, Special Enrollment Period Pre-enrollment Verification, Cross-Issuer, Data Matching, and Account Transfer notices, visit the Marketplace Notices webpage.

When helping consumers enroll in health coverage, the Marketplace may ask for documents to confirm information on the application. Agents and brokers can access more information regarding how to submit documents online or by mail by clicking here.

The Affordable Care Act includes the individual shared responsibility provision and the premium tax credit that may affect your clients’ tax returns. For more information on Affordable Care Act Tax Provisions for Individuals and Families, click here.

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