All agents and brokers — including web-brokers — seeking to enroll individuals through the Marketplaces must be licensed as producers by the applicable state and adhere to all applicable state laws. States will maintain their current roles overseeing licensing, marketing, and enforcement standards for the agents and brokers in their insurance markets.
QHP Issuer Role
QHP issuers will verify that their appointed agents and brokers have a valid state license to sell health insurance products, as well as an NPN. As part of issuer onboarding, agents and brokers will have to send their MLN training certificates to QHP issuers. It’s very important that you keep your training certificates, for this reason. Agents and brokers must also comply with any policies of the QHP issuers with which they are affiliated, and must adhere to the federal privacy and security standards which are discussed in this training course.
Agents and brokers must enter into agreements with the Federally-facilitated Individual Marketplace and/or the Federally-facilitated SHOP Marketplace in which they will be operating. In these agreements, agents and brokers consent to comply with the Marketplaces privacy and security standards. CMS will work with the state departments of insurance to coordinate oversight activities related to agents and brokers. CMS may also provide to each state a list of the agents and brokers who have successfully registered with the Federally-facilitated Marketplace in that state.
Agents and Brokers are required to be trained to assist consumers with the application and decision making process. Using an Agent to enroll in a ObamaCare Health Plan will be the primary choice of many americans. After all agents have the inside track on companies and their promptness to handle claims and pay benefits in atimely fashion.
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