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PIA Files Comments on Standards for Navigators

PIA has filed comments with the National Association of Insurance Commissioners (NAIC) Producer Licensing Task Force, recommending that strict standards be adopted governing healthcare navigators...
July 16, 2013

PIA has filed comments with the National Association of Insurance Commissioners (NAIC) Producer Licensing Task Force, recommending that strict standards be adopted governing healthcare navigators. In our comments, PIA points out that since navigators are not permitted to sell, solicit or negotiate insurance, a producer license should continue to be required in order to perform those functions.

In addition, PIA advocates strict standards be adopted governing navigators. These include allowing exchanges to encourage or even require navigators to carry errors and omissions liability coverage; requiring the appropriate vetting of navigators, including background checks; nationwide tracking of navigator violations; and the creation of a navigator license that is fulfilled through education requirements.

“At this critical juncture in the healthcare market, now is not the time to gamble with consumer protections,” PIA notes in its remarks. “Agents and brokers have been relied on for generations because consumers trust them and value their sound advice. We therefore support approaches that continue to utilize the expertise of professional insurance agents.”

PIA Comments to NAIC on Navigators (7/13/13)

UPDATE: On Wednesday July 17, the U.S. Department of Health and Human Services (HHS) is expected to publish a final rule addressing requirements applicable to Navigators and non-Navigator assistance personnel. PIA has reviewed a pre-published version of the rule that we obtained, and notes that many of our concerns remain.