Where can I get help with my Marketplace application?

All Marketplaces are required to offer “Navigator” programs to help consumers review their plan choices, complete their application, or apply for financial assistance. Navigators can also assist consumers applying for Medicaid or CHIP. Additionally, Navigators can help consumers with post-enrollment support, such as appealing Marketplace decisions. Navigators are paid by the Marketplace, not by health plans, and they must complete Marketplace training and be free from conflicts of interest.

You may also be able to find help from other sources. In addition to Navigators, other Marketplace-certified, volunteer assister programs are run by community health centers, hospitals, and other non-profit organizations. These Certified Application Counselor (CAC) programs also complete Marketplace training but do not receive funding from the Marketplace.

Consumer Assistance Programs (CAPs) also assist consumers in identifying their best coverage options, and help with insurance problems. Click here to see if this option may be available in your state.

Some consumers work with private insurance brokers to apply for health insurance plans through the Marketplace. Brokers also must complete Marketplace training. They are paid commissions by health insurance companies for each plan they sell.

You can find a directory of certified Navigators, assisters, and brokers in your state using HealthCare.gov’s Find Local Help tool. If your state runs its own Marketplace, this tool will direct you to that website. If you live in a state that uses HealthCare.gov, you can also contact the Marketplace call center.