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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 a subsidy application, and finalize an enrollment submission.
Step 1: Land on the branded enrollment website
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
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
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
Step 4: Confirm whether financial assistance is desired
Next, consumers are asked whether they want to see if they are eligible for financial assistance. Consumers can opt out of seeking financial assistance when completing a Marketplace application.
Selecting Yes allows the consumer to proceed with determining eligibility for financial assistance prior to purchasing Marketplace coverage.
Selecting No allows the consumer to proceed with purchasing Marketplace coverage without seeking financial assistance.
Subsidy-related sections will be omitted from the Marketplace application when No is selected.
Step 5: Include individuals seeking coverage
Step 5: Include individuals seeking coverage
The consumer lists all tax household members who are seeking coverage and provides basic information for each person.
Step 6: Enter tax household information
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
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
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.
Step 9: Enter provider & medication preferences
Step 9: Enter provider & medication preferences
The consumer may list any preferred providers.
If the consumer takes any medications, they may list those as well. These entries help narrow plan results to meet the consumer's needs.
Step 10: Browse available plans
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
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
Step 12: Complete the application
Next, the consumer will begin the Marketplace application.
Consent capture is built into the consumer-driven enrollment experience.
Once the consumer reaches the primary contact section of the application, the application the consumer completes is the same application an agent would complete.
Consumers are prompted to verify their identity during the application process. If the consumer has an existing Marketplace application, they are able to search & claim and update their existing application.
Frequently asked questions
Does CMS provide marketing guidelines for agents?
CMS provides guidelines for agents when advertising or marketing to consumers here.
How do carrier settings impact enrollments submitted through an agent’s marketing link?
For HealthSherpa for Agents account types, carrier settings impact enrollments submitted through an agent’s marketing link because enrollments are blocked if the agent is not licensed in the consumer’s state.
Agents should update carrier settings before using a marketing link. When consumers enroll through the agent’s unique branded enrollment website, the agent’s National Producer Number (NPN) is automatically applied to any application 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 EAP. If the Enrollee Assistance Program (EAP) is disabled for a carrier, the agent’s own NPN is applied to any applications submitted through the agent’s marketing link for that carrier.
Carrier settings are not applicable for HealthSherpa Enrollee Assistance Full-Service account or carrier-specific account types.
Can consumers enroll in off-exchange plans when using an agent’s marketing link?
When using an agent’s marketing link, consumers can only complete on-exchange enrollment submissions. Off-exchange plans in HealthSherpa are only available to agents.
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 for Agents 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 Agent_Support@HealthSherpa.com, or by chat directly from your account.