Some readers are about as happy with the idea of having anything to do with the Patient Protection and Affordable Care Act (PPACA) health insurance exchanges as they are about the idea of partying with spiders.
Others have reluctantly or enthusiastically embraced the idea of trying to help small employers, individual consumers (or both) sign up for coverage through the PPACA exchanges, either to expand their commercial business or to try to do their part to ease the plight of the uninsured.
Readers are sending me emails with questions along the lines of, “What are navigators?,” “How do I get trained to be a navigator?” and “Where on earth are the want ads for the navigators if organizations supposedly need so many of them?”
Here are my thoughts.
I’m morally opposed to PPACA. This whole article disgusts me. What should I do?
Maybe you could find some way to work with colleagues to get a carrier to provide products aimed specifically at people who find PPACA to be morally objectionable and want to minimize involvement with anything PPACA-related as much as the law will allow.
If I’m a licensed insurance agent or broker, do a I necessarily have to be a navigator to help people get exchange coverage?
In most states, no.
In most states, including the states with the “federally facilitated exchanges” to be run by the U.S. Department of Health and Human Services (HHS), agents and brokers can sell exchange coverage and non-exchange coverage, and get commissions or other compensation from the insurers through whatever arrangements the insurers and producers want to negotiate.
So, if you’re already an agent or broker, you might find it easier to serve consumers in your capacity as a producer than to try to get a job as a navigator or some other kind of exchange helper.