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Pennsylvania Passes Law to Regulate ACA Navigators

On June 19, 2015, Pennsylvania Governor Tom Wolf (D) signed Senate Bill 293 into law...
June 25, 2015

On June 19, 2015, Pennsylvania Governor Tom Wolf (D) signed Senate Bill 293 into law. The new law, effective February 15 of next year, creates a registration process for healthcare exchange navigators. The bill also requires the insurance department to maintain a public, searchable registry of navigators online.

The bill prohibits an individual or organization from operating as a navigator without first applying to the Department of Insurance for approval. Under the law, the department may issue a registration after confirming that the applicant is at least 18 years old, lives in Pennsylvania and has not had an insurance license revoked, suspended or denied. The applicant must also submit fingerprints and registration fees for a criminal background check. A civil penalty of up to $5,000 could be imposed for violations.

What It Means to Agents: PIA opposes allowing navigators to sell, solicit, or negotiate insurance without a valid state license and supports strong consumer protections for navigators. In total, about a dozen states have enacted laws regulating and/or restricting the functions of navigators.

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