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In-Person Consumer Assistance with the Marketplace
There will be three main types of in-person consumer assistance available to Michigan consumers for help with applying to the federally-run Health Insurance Marketplace and picking a plan:
Federal training for the Marketplace is ongoing. Please check back regularly as additional information on who can provide help will be added over the upcoming weeks.
Agents and the Marketplace
To participate in the Marketplace, agents must adhere to Michigan’s requirements for licensure and comply with state laws. An agent may not charge an individual for assisting them with the Marketplace because agent commissions are between the issuer and agent.
It is possible that an agent might only assist you with enrollment in a qualified health plan offered by an insurance company with which the agent has a business relationship. Agents selling in the Marketplace should provide to consumers a list of the insurance companies with which the agent has a business relationship.
To verify an agent’s licensure with the state of Michigan, or to get a list of agents in your zip code, click here. Please note: not all agents listed here have registered to sell on the Marketplace.
Navigators and the Marketplace
The federal government gave grant funds to four entities to run Navigator programs in Michigan:
The federal government requires online training and registration with the Marketplace for individuals working as Navigators through the four entities listed above.
Navigators are required to provide assistance to those consumers who request it. Some navigators may have walk-in offices, some may assist you via telephone, and some may require that you make an appointment in advance.
Certified Application Counselors and the Marketplace
Certain types of organizations may operate a Certified Application Counselor program: community health centers; hospitals, health care providers, mental health providers, certain social services agencies, and local government agencies.
Organizations apply to the Marketplace directly to run a Certified Application Counselor program. The federal Marketplace will designate which organizations can operate Certified Application Counselor programs.
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