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.
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 participating in the 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 a state is running its own Marketplace by visiting HealthCare.gov and selecting the 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 with a valid health line of authority, 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 complete registration and required training on an annual basis—prior to assisting consumers enroll in a plan.
Marketplace registration and training for plan year 2018 is now live!
For more information and resources to help you get started, visit the Plan Year 2018 Registration and Training page.
Registered agents and brokers can assist consumers enroll in health and/or dental coverage through the Marketplace from November 1 to December 15.
For more information to help you assist consumers, visit the Plan Year 2018 Open Enrollment webpage.
For tips on getting started in the Health Insurance Marketplace, view this quick guide. - Opens in a new window
Help On Demand is a real-time referral system that connects consumers seeking assistance on HealthCare.gov with Marketplace-registered, licensed agents and brokers in their area who can provide immediate assistance with Marketplace plan selection and enrollment.
Agents and brokers can access more information regarding the Help On Demand service by following the links below:
CMS is planning a series of upcoming webinars to help you assist consumers after the Open Enrollment period ends. More details on the content and registration for these webinars will be available soon on REGTAP - Opens in a new window .
Agents and brokers can now choose the types of emails they want to receive from the Marketplace by updating Subscriber Preferences - Opens in a new window . Click here to find out how. To get started:
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.
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.