This guide has been updated to reflect recent federal policy changes, many of which are summarized under "What's New for 2021." We’re also pleased to offer two new resources for Navigators and assisters.

• State-specific Policies. State policies towards health coverage vary, and can have a big impact on consumers’ access to affordable and comprehensive insurance options. Learn how such policies might affect consumers’ eligibility for and enrollment in coverage in your state by visiting our state-by-state guide.
• “Ask an Expert.” Have you looked for an answer to your question among our FAQs and been unable to find it? Or do you have a client with a unique or complex situation and need some expert help? We’ve added a new portal for you to submit your question to experts at Georgetown University’s Center on Health Insurance Reforms (CHIR) and Center for Children & Families. We promise a response back in two business days.

This Guide is focused on the private insurance reforms of the Affordable Care Act (ACA), including the health insurance marketplaces, benefit and cost structures, and premium tax credits. It is organized into four sections that address how individuals may present themselves to Navigators based on their insurance status and coverage options. The questions and answers here have been developed in collaboration with the staff at the Center on Budget and Policy Priorities, the Georgetown University Center for Children and Families, and KFF. This guide is intended to supplement the Navigator training available from the U.S. Department of Health and Human Services. It is not intended to be a comprehensive, stand-alone resource for all the ACA reforms. While we have made every effort to provide accurate information in this resource guide, navigators should contact Healthcare.Gov or their state’s marketplace, Department of Insurance, or Medicaid agency for guidance on specific circumstances. This Guide does not provide legal advice. The information has been updated as of October 21, 2020.