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) Marketplace. The content on this page is updated regularly.

Background

To the extent permitted by states, licensed agents and brokers may assist consumers in determining their eligibility for insurance affordability programs, including advance payments of the premium tax credit and cost-sharing reductions, and enrolling 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 participating in the Small Business Health Options Program (SHOP) Marketplace and assist them and their employees through the SHOP Marketplace application and enrollment process.

Some states have set up their own State-based individual and small business Marketplaces, while the Federal Government runs the Health Insurance Marketplace and SHOP Marketplaces located on HealthCare.gov in other states. You can find out if your state is running its own Marketplace by visiting HealthCare.gov and selecting your state from the drop down. Agents and brokers can help consumers apply for and choose insurance options in any state in which the agents and brokers are licensed, regardless of whether the Marketplaces are operated by the state or Federal Government.

Agents and brokers who wish to assist consumers in the Health Insurance Marketplace and SHOP Marketplace on Healthcare.gov must first complete registration (see the Plan Year 2017 Registration and Training page).

Latest News

Upcoming “Go-Dark” Period

Plan year 2017 Marketplace registration and training for agents and brokers will close, or “go dark,” on the Marketplace Learning Management System (MLMS) on July 21, 2017 at 12:01 PM ET as we prepare to launch registration and training for plan year 2018.

Have additional questions? Check out the MLMS Closing Quick Tips for additional information [PDF, 714KB] !

Upcoming Webinars

There will be upcoming webinars to help prepare agents and brokers to assist Marketplace consumers including:

Plan Year 2018 MLMS Enhancements Overview for Agents and Brokers

  • July 19, 1:00 PM - 2:00 PM ET

Plan Year 2018 Health Insurance Marketplace Registration and Training for New Agents and Brokers

  • July 20, 1:00 PM - 2:30 PM ET

  • July 26, 1:00 PM - 2:30 PM ET

Plan Year 2018 Health Insurance Marketplace Registration and Training for Returning Agents and Brokers

  • July 21, 1:00 PM - 2:00 PM ET

  • July 27, 1:00 PM - 2:00 PM ET

Click here for more information on this webinar and instructions on how to register.

Upcoming Special Enrollment Period Pre-Enrollment Verification Process

Beginning in Summer 2017, new applicants who attest to certain types of SEP qualifying events will be subject to the special enrollment period pre-enrollment verification (SEPV) process. Eligible consumers must submit documents that confirm their SEP eligibility before they can enroll and start using their Marketplace coverage.

  • On June 23, 2017 pre-enrollment verification starts for two SEP types:
    • Loss of coverage
    • Permanent move
  •  In August 2017, pre-enrollment verification starts for three additional SEP types:
    • Marriage    
    • Gaining or becoming a dependent through adoption, placement for adoption, placement in foster care, or a child support or other court order
    • Medicaid/CHIP denial

For more information, check out the following resources:

Plan Year 2017 Registration and Training is Now Available

Marketplace registration and training for plan year 2017 is now live. CMS values the hard work of agents and brokers in the Health Insurance Marketplaces. Listen to a message from Marketplace CEO Kevin Counihan here!

CMS offers online training through the Marketplace Learning Management System (MLMS), as well as through the following CMS-approved vendors:

Access both the MLMS and CMS-approved vendor training via the CMS Enterprise Portal.

For more information on plan year 2017 registration and training, visit the Plan Year 2017 Registration and Training page.

Agent and Broker Newsletter

News for Agents and Brokers is an electronic source of information for agents and brokers assisting consumers in the Marketplaces on HealthCare.gov. Check out the latest edition here.