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Assistance Available when Applying for Health Insurance

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This week, we will cover the assistance available for consumers using the Health Insurance Marketplace.

 For those who have not purchased health insurance in the past, the process may be a bit daunting. There will be assistance online, by phone and in person. 

Phone Help – Consumers may call 1-800-318-2596 for assistance.

In-person Assistance:

Navigators – Starting this fall, each state will have “Navigators” to provide in-person assistance to those needing help shopping for and enrolling in plans in the Health Insurance Marketplace. Navigators are trained and tested and funded by federal grants. Two entities in N.D. have received the navigator grants:

  • The Great Plains Tribal Chairman’s Health Board will provide enrollment assistance to American Indians residing on and near the four reservations and one Indian Service Area in North Dakota.
  • The North Dakota Center for Persons with Disabilities will establish a collaborative network of regional Navigators stationed in each of the state's eight Human Service regions. Navigator support will be provided to uninsured and underinsured people, specifically targeting those most at risk of being uninsured.

Certified Application Counselors (CAC) – Organizations in the state may apply to have staff or volunteers trained as Certified Application Counselors to assist in health insurance enrollment. Examples of organizations that may apply are community health centers, hospitals, social service agencies and nonprofit organizations. The CAC will need to be trained and tested before being certified. They will be compensated through their organizations.

Agents and Brokers - Licensed health insurance agents and brokers may enroll individuals, small business employers and employees in coverage through the Marketplace. Agents and brokers will be compensated by the business or the consumer. Federal and state training and certification requirements will apply to agents and brokers who enroll or assist consumers. 

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