Though the Department of Health and Human Services anticipates the agent and broker industry will play a "critical role" in health exchange plan enrollment, whether (and to what extent) agents and brokers will be able to participate in these exchanges is a decision states will have to make before 2014.
According to new rules announced Monday, it will be left up to individual states to decide whether agents and brokers will be permitted to assist qualified individuals, employers or employees with enrolling in a qualified health plan offered in state-run health insurance exchanges.
Who is a Navigator?
HHS requires exchanges to include specific "entities" to act as navigators, in order to receive funding for a "Navigator grant." These can be groups ranging from consumer-focused nonprofits, licensed agents and brokers, unions, chambers of commerce and other organizations that have ties to potential, or existing, exchange plan enrollees.