Urban Institute analysts have summarized reasons why public exchanges might want to use — or avoid using — agents and brokers to increase exchange plan sales.
The analysts — Sabrina Corlette, Linda Blumberg and Erik Wengle — write about the advantages and disadvantages of using licensed producers in a commentary backed by the Robert Wood Johnson Foundation.
The drafters of the Patient Protection and Affordable Care Act of 2010 (PPACA) put funding for “navigators,” or nonprofit exchange ombudsmen, in the section of PPACA that created the PPACA public exchange system. The U.S. Department of Health and Human Services (HHS) later came up with more money for other types of nonprofit exchange helper programs.
Now, the PPACA outreach money is running out. Using licensed producers to help with sales requires no use of public funds, the analysts say.