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Proposed Rule on Exchange Navigator Programs

April 2013

The Affordable Care Act (ACA) calls for the creation of state-based competitive marketplaces, known as Affordable Health Insurance Exchanges (Exchanges), for individuals and small businesses to purchase private health insurance. The ACA requires the Exchanges to become operational in 2014, with enrollment beginning Oct. 1, 2013. To help consumers use the Exchanges and review insurance options, the ACA requires each Exchange to establish a Navigator program. Navigators are organizations that will provide unbiased information to consumers about health insurance, the Exchange, qualified health plans (QHPs) and public programs including Medicaid and the Children’s Health Insurance Program (CHIP). In addition to Navigators, Exchanges also will provide other consumer assistance services such as call centers, in-person assistance personnel, certified application counselors, and agents and brokers. On April 5, 2013, HHS released a proposed regulation on consumer assistance programs through the Exchanges.

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This article is provided by GCG Financial, LLC. It is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. Visit us at https://gcgfinancial.com. © 2011-2014 Zywave, Inc. All rights reserved. This information is for general informational purposes only. While we have attempted to provide current, accurate and clearly expressed information, this information is provided “as is” and GCG makes no representations or warranties regarding its accuracy or completeness. The information provided should not be construed as legal or tax advice or as a recommendation of any kind. Users should seek professional advice from their own attorneys and tax and benefit plan advisors with respect to their individual circumstances and needs.

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