Siga las instrucciones aquí para traducir esta página a otro idioma usando Chrome.

An agent’s unique marketing link leads consumers to a branded enrollment website.

When using a marketing link, consumers will follow the steps below to shop for a plan, complete an application, and finalize an enrollment submission.

Step 1: Land on the branded enrollment website

When a consumer selects the marketing link, they arrive at the agent's branded enrollment website.

The website displays the agent's logo, name, and National Producer Number (NPN), along with the lifestyle image the agent has selected.

Consumers using a marketing link associated with a HealthSherpa Full-Service Enrollee Assistance Program account type will not see the agent's name or NPN.

Consumers can select the language listed at the top of the page to switch between English and Spanish.

Step 2: Enter ZIP code

The consumer is required to enter their ZIP code to proceed.

A lead record is created on the Leads page of the agent's HealthSherpa account once any one of the following takes place:

The consumer enters their email address
The consumer enters their phone number
The consumer chooses to save their progress

Step 3: Confirm county

Consumers will be prompted to confirm their county when the ZIP code reaches multiple counties.

Step 4: Confirm whether financial assistance is desired

Next, consumers are asked whether they want to see if they are eligible for financial assistance.

Selecting Yes allows the consumer to proceed with determining eligibility for financial assistance and shopping for on-exchange plans.

Selecting No allows the consumer to shop for off-exchange plans instead.

Step 5: Include individuals seeking coverage

The consumer lists all tax household members who are seeking coverage and provides basic information for each person.

Consumers seeking off-exchange coverage will also be asked whether they have been offered an ICHRA, then proceed to Step 8.

Step 6: Enter tax household information

The consumer then enters their tax household size and estimated household income. An income calculator is available to help estimate income if needed.

Step 7: Review estimated subsidy eligibility

An initial subsidy eligibility estimate displays after household information is entered.

A subsidy is federal financial assistance designed to lower the cost of health insurance purchased through the Marketplace. Subsidy eligibility can consist of both advance premium tax credit (APTC) and cost-sharing reduction (CSR).

Advance premium tax credit (APTC): A dollar amount that may be applied on a consumer's behalf to their monthly health insurance premium. APTC can be applied to all metal levels and may appear as Estimated savings in HealthSherpa.
- On-exchange dental: If a consumer has leftover APTC dollars after selecting the Marketplace health plan, remaining APTC may be applied to the portion of the on-exchange dental premium that covers pediatric dental essential health benefits.
Cost-sharing reduction (CSR): A discount applied to silver level plans that lowers deductibles and out-of-pocket costs for care and prescription drugs. Consumers who are eligible for APTC may also be eligible for CSR. Consumers who are not eligible for APTC are not eligible for CSR.

Step 8: Select a qualifying life event

Enrollment periods determine when consumers can enroll in Affordable Care Act (ACA) coverage or change ACA plans.

Open Enrollment Period (OEP) is the annual window when consumers can enroll in an Affordable Care Act (ACA) plan for the upcoming plan year. Outside of OEP, a consumer typically needs a qualifying life event (QLE) to qualify for a Special Enrollment Period (SEP).

When a consumer uses a marketing link outside of OEP: The consumer will be prompted to select a QLE to proceed.
When a consumer uses a marketing link during OEP: The consumer will not be prompted to select a QLE. Consumers can pursue SEP applications from the plan results page during plan shopping.

Consumers seeking off-exchange coverage then proceed to Step 10.

Step 9: Enter provider & prescription preferences

The consumer may list any preferred providers.

If the consumer takes any prescription drugs, they may list those as well. These entries help narrow plan results to meet the consumer's needs.

Step 10: Browse available plans

Next, the consumer is able to browse available plans. From the Plan Results page, available plans can be filtered to narrow options based on the consumer’s needs, and sorted as desired. Consumers can also share plan options, print plan details, & compare plans side by side.

To review a plan in more detail, the consumer can select Plan details from the plan card.

Step 11: Select a plan

Once a plan has been chosen, the consumer will select Add to cart, then Start application to proceed.

To return to the Plan Results page, the consumer can select Keep shopping.

Step 12: Complete the application

Next, the consumer will begin the application. The application the consumer completes is the same application an agent would complete. Sections within the application vary slightly depending on whether the consumer is seeking on-exchange or off-exchange coverage.

Consent capture is built into the consumer-driven enrollment experience, and consumers are prompted to verify their identity during the application process.

For consumers seeking on-exchange coverage, search & claim automatically identifies an existing Marketplace application. The consumer can then update the application.

Frequently asked questions

Does CMS provide marketing guidelines for agents?

Yes. The Centers for Medicare & Medicaid Services (CMS) provides marketing guidelines for agents when advertising or marketing to consumers.

How do carrier settings impact enrollments submitted through an agent’s marketing link?

When consumers enroll through the agent’s unique branded enrollment website, the agent’s National Producer Number, or NPN, is automatically applied to any enrollment submitted unless the agent has alternative Enrollee Assistance Program (EAP) carrier settings in place.

The Enable Enrollee Assistance toggle within carrier settings is disabled for carriers that do not participate in the EAP. If EAP is disabled for a carrier, the agent’s own NPN is applied to any enrollments submitted through the agent’s marketing link for that carrier.

Enrollments completed using the marketing link will be blocked if the National Insurance Producer Registry (NIPR) indicates the agent is not licensed in the consumer’s state.

Carrier settings are not applicable for HealthSherpa Enrollee Assistance Full-Service account or carrier-specific account types.

Can consumers shop for off-exchange plans when using an agent’s marketing link?

Yes. When using an agent’s marketing link, consumers are asked whether they would like to see if they qualify for financial assistance.

Consumers who select “Yes, I’d like to see if I qualify for a subsidy” continue to on-exchange plan shopping and the application for Marketplace eligibility. Consumers who select “No, show me off-exchange plans designed for those who don’t qualify for subsidies” shop for off-exchange plans instead.

Can agents customize the email signature within notifications consumers receive?

Agents are able to set up custom branding within the marketing link included with their HealthSherpa account. Any customizations made will apply to the email notification consumers receive.

Agency administrators can also control email customizations at the agency level.

Additional resources

For help using HealthSherpa or for other assistance, contact Agent Support. Agent Support is available by phone at (888) 684-1373, by email at Support@HealthSherpa.com, or by chat directly from your account.

Consumer experience when using a marketing link