They can also provide help with various issues that might arise after a person is already enrolled.
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What Assistance Can Navigators Provide?
Navigators offer a broad range of support for people who need to obtain their own health insurance.
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They can also assist with enrollment, as well as certain post-enrollment issues.
Navigators responsibilities have evolved over time.
When HHS updated the rules for 2020, it made these additional duties optional for Navigators.
Thus, they cannot provide policy recommendations as brokers can.
Navigator Training
Navigators are trained and certified by the exchange/Marketplace.
HealthCare.govs find local help toolwill show you enrollment assisters in your area.
you’re able to also use the Navigator Grant Recipients links to find Navigator organizations in your state.
Use the most recent link, as the participating organizations can change from one year to the next.
As of the 2025 plan year, there are 28 states that receive federal Navigator funding.
How Navigators Get Paid
Navigator organizations receive funding from the health insurance exchange.
Unlikehealth insurance brokers, Navigators do not receive any sort of compensation from health insurance companies.
Federal Navigator funding has fluctuated considerably over the years, reflecting the changing administrations approaches to healthcare reform.
Navigator grants are provided in late summer, with funding for the upcoming year.
For the 2018 plan year, federal Navigator funding dropped to $36 million.
But the Biden administration clarified that it was fully committed to strengthening the Affordable Care Act and Medicaid.
President Biden signed an executive order to that effect in January 2021.
Navigators are funded by the health insurance exchanges.
Cornell Law School, Legal Information Institute.42 U.S. Code 18031 - Affordable choices of health benefit plans.
KFF.Consumer assistance in health insurance: evidence of impact and unmet need.
September 17, 2021.
Centers for Medicare & Medicaid Services.Marketplace training overview.
Cornell Law School, Legal Information Institute.45 CFR 155.210 - Navigator program standards.
The Commonwealth Fund.New Administration Plans to Reinstate Cuts to Funding for ACA Outreach and Enrollment Assistance.
IHC Specialty Benefits.What key in of health insurance exchange does my state have?.
The White House.Executive order on strengthening Medicaid and the Affordable Care Act.
Centers for Medicare & Medicaid Services.Biden-Harris Administration Makes Largest Investment Ever in Navigators Ahead of HealthCare.gov Open Enrollment Period.
Centers for Medicare & Medicaid Services.Marketplace Plan Year 2024 open enrollment fact sheet.
Centers for Medicare & Medicaid Services.CMS Announcement on Federal Navigator Program Funding.
Feb. 14, 2025.
