Navigators can help you with health insurance plans available inside the Exchange, or Health Insurance Marketplace as it is now referred to.
Insurance agents or
Health Insurance Producers, who are also Exchange Certified, can help you with plans available both inside and outside the Exchange.
Navigators are funded by the exchanges to enroll people in the plans offered through the state Exchange.
They will help people understand the plans available through the exchanges, enrollment in those plans and qualification for available federal income tax and out-of-pocket subsidies.
Navigators will most likely be licensed or certified by state insurance agencies or by organization set up to run the exchanges.
Navigators will also be used by the State Insurance Exchanges to help people with the following tasks:
- Manage public education activities to help public learn about qualified health plans available to them;
- Share unbiased and honest information about enrollment in qualified health plans - inform the public of the availability of tax credits and cost-sharing reductions in line with federal tax laws;
- Assist with enrollment in qualified health plans;
- Provide referrals to any appropriate office of health insurance consumer assistant or health insurance ombudsman, or any other proper state agency or agencies. These referrals are to used to help any enrollee with a grievance, complaint, or question regarding their health plan, coverage, or a determination under such plan or coverage;
- Provide information without discrimination and provide information in the enrollee’s language.
Navigators will most likely be licensed or certified by state insurance agencies or by organization set up to run the exchanges. First Choice Health Insurance will offer both "Agent" and "Navigator" services to individuals, free of charge.