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Zane Benefits Publishes New Information on Insurance Agents’ Role in Marketplaces
Date:5/18/2013

g their own regulations and procedures.
Role of Agents in Health Insurance Marketplaces

According to Zane Benefits’ website and the HHS, agents and brokers (including web-brokers) will play a role in educating consumers about Marketplaces and insurance affordability programs, and will help consumers receive eligibility determinations, compare plans, and enroll in coverage. HHS anticipates that in addition to assisting individuals, agents and brokers will play a "critical role in helping qualified employers and employees enroll in coverage through the Small Business Health Options Programs (SHOPs)."

The release specified that agents and brokers intending to work with consumers in federally-facilitated and state-partnership Marketplaces will be able to enroll consumers in two ways: through an issuer’s website or through the Marketplace's website.

Either way the registered agent’s or broker’s identifying information will be passed along to the appropriate issuer to facilitate the issuer’s payment to the agent or broker for each enrollment transaction.

Agent Registration with the Health Insurance Marketplace

According to Zane Benefits’ website and the HHS, for the federally-facilitated or partnership Marketplaces, all agents and brokers must register with CMS so that they may assist qualified individuals for individual Marketplace coverage.

CMS expects that an online registration process will begin in the summer of 2013, prior to open enrollment in October 2013. The registration process will require the agent or broker to:

  • Confirm identity by answering a number of simple questions online.
  • Complete a Marketplace-specific online training course.
  • Agree to comply with federal and state laws, rules, standards and policies, including those related to privacy and security policies, as a condition of working with consumers in the Marke
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