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 |

Yes, if the site is an approved “enhanced direct enrollment” site. Under this process, consumers can use an approved insurer’s website or web-broker’s website to apply for premium tax credits. A list of approved web-brokers in your state can be found here. Depending on the site, consumers may be able to apply for subsidies and enroll in Marketplace coverage without creating a account. Other approved websites require consumers to create their own accounts by going to 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. (45 C.F.R. §§ 155.220, 155.221.)

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