QUESTION

I’m using a web-broker’s website to enroll into marketplace coverage, and the system is prompting me to enter my financial information, is this allowed?

Individuals with no coverage | How Premium Tax Credits And Cost-Sharing Reductions Work
ANSWER

Yes, under an “enhanced direct enrollment” process, consumers can use an approved insurer’s website or web-broker’s website to apply for premium tax credits. Under this process, consumers can provide their financial information to get a marketplace eligibility determination for premium tax credits. A list of approved web-brokers can be found here. Depending on the site, consumers may be able to apply for subsidies and enroll in marketplace coverage without creating a HealthCare.gov account. Other approved websites requires consumers to create their own HealthCare.gov accounts by going to healthcare.gov or calling the marketplace at 1-855-889-4325.

Approved web-brokers are required to relay to consumers any notices from the marketplace, like requests for additional information or documents or other important notices relating to your coverage or financial assistance. They must also display all marketplace plans available in your area, not just those sold on the site, and you have the option to leave the insurer’s website or web-broker’s website at any time to shop in the marketplace and get more information on plans not offered on the web-broker’s site. If you enroll in a marketplace plan using a web-broker, any changes to your income or household size affecting your premium tax credit must be reported to your web-broker within 30 days. (CMS, Third-party Auditor Operational Readiness Reviews for the Enhanced Direct Enrollment Pathway and Related Oversight Requirements, Feb. 21, 2018).

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