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 a “proxy direct enrollment” process, consumers can use an insurer’s website or web-broker’s website to apply for premium tax credits. Under this process, consumers can input their financial information to get a marketplace eligibility determination on premium tax credits. Consumers, however, must still create their own HealthCare.gov accounts to be able to use this process. You can only create a HealthCare.gov account by going to healthcare.gov or calling the marketplace at 1-855-889-4325.

A few things to be aware of when applying through a web-broker: any notices from the marketplace, like requests for additional information or documents or other important notices relating to your coverage or financial assistance will be sent to a consumer’s HealthCare.gov account. Also, any changes to your income or household size affecting your premium tax credit must be reported to the marketplace within 30 days. There is no requirement that web-brokers inform you of these issues. You also have the option to leave the insurer’s website or web-broker’s website at any time to shop in the marketplace and get information on plans not offered on the web-broker’s site. (CMS, Proxy Direct Enrollment Pathway for 2018 Individual Market Open Enrollment Period, May 17, 2017).

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