Your Source for Health Reform

Topic: Brokers and Agents



Brokers and agents are licensed professionals who act as intermediaries between customers and insurers, and can help you find a plan. While both receive a commission on plans sold, an agent represents specific companies. The federal government now certifies agents and brokers who have received training in the details of ACA plans. (The DOI refers to brokers and agents as “insurance producers.”)


Get Help Getting Health Insurance

This September 2015 fact sheet from Health & Disability Advocates describes the trained professionals that consumers can use to connect with coverage.

Now that You’re Covered

This July 2015 fact sheet from the Small Business Health Collaborative outlines tips for the newly insured so that they can get the most out of their health insurance plans. Community organizations and brokers can share with consumers who are new to health insurance coverage.

Take Advantage of Preventive Services

This July 2015 fact sheet from the Small Business Health Collaborative details the preventative services that all marketplace health insurance plans are required to offer. Community organizations and brokers can share with the newly insured.

Health Insurance Vocab

This July 2015 fact sheet from Health & Disability Advocates defines important health insurance terms. Community organizations and brokers can share with the newly insured.

Reaching the Uninsured After King v. Burwell

This June 2015 fact sheet from Health & Disability Advocates identifies the location of and demographic information for the remaining uninsured in Illinois. The fact sheet  promotes partnerships between navigators and brokers to connect the uninsured to health insurance with the marketplace.

Checklist for Working with an Independent Broker

Details about your company and employees, as well as budget and tax considerations, are all important factors when choosing a small business group plan. The Small Business Health Collaborative created this checklist in 2014 to help small business owners prepare to meet with a broker to purchase employee health insurance through the SHOP.

Resources for Agents and Brokers in Health Insurance Marketplaces

Guidance, news and regulations; what a broker needs to know about the Small Business Health Options Program and Federally Facilitated Health Insurance marketplaces is all in one place in this quick-reference guide from the Centers for Consumer Information & Insurance Oversight at CMS.

CMS Agent/BrokerTraining

This August 2013 CMS presentation provides an overview of the role of agents and brokers in the federally facilitated marketplace, announces the launch of the agent/broker training, and discusses upcoming activities to support agents and brokers in these marketplaces.

Navigators Need Not Be Licensed as Insurance Brokers or Agents

This March 2011 brief from Families USA explains how navigators are different from brokers and agents, and argues that today’s licensure requirements for brokers or agents are not the appropriate way to ensure navigators’ competency.