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Carrier settings support the application flow and the enrollment submission that follows plan shopping. The Carriers tab is where agents manage licensed states, carrier appointments, and Enrollee Assistance Program (EAP) carrier selections in a HealthSherpa for Agents account.

In this article we’ll cover:

Due to Centers for Medicare & Medicaid Services (CMS) guidance surrounding plan display, carrier appointments and EAP carrier selections do not affect plan visibility during shopping. All plans available in the quoted ZIP code display by default, regardless of appointment and EAP carrier selections.

The Carriers tab is not available for HealthSherpa Enrollee Assistance Full-Service account or carrier-specific account types.

Agents can access the Carriers tab from the Settings page or the Bonuses page.

The Carriers tab is only available in HealthSherpa for Agents accounts. If an agent does not see the Carriers tab, the agent may be using a different HealthSherpa account type.

Agents need to tell HealthSherpa which states they are licensed in by adding those states to the Carriers page. HealthSherpa does not allow agents to complete applications in states that are not added to the Carriers page.

HealthSherpa verifies an agent’s licensure status in a given state using the National Insurance Producer Registry (NIPR), a national database that stores information on every licensed agent, at the time of each application.

Note: HealthSherpa does not require agents to add licensed states to the Carriers page when completing off-Exchange applications. HealthSherpa also cannot verify licensure status for off-Exchange applications.

Carrier appointments can be indicated by state on the Carriers page. The agent’s NPN, or override NPN, is automatically applied to any application submitted for a carrier that does not have EAP enabled.

If the agent has enabled the HealthSherpa Enrollee Assistance Shared-Service Model, the agent can select which carriers use the Enrollee Assistance Program (EAP) by state on the Carriers page.

Applications submitted using EAP are processed using HealthSherpa’s National Producer Number (NPN). The agent’s NPN, or override NPN, is automatically applied to any application submitted for a carrier that does not have Enrollee Assistance enabled.

Note: The agent remains responsible for complying with all applicable state insurance laws regarding licensure and appointment. The EAP may not be used to circumvent state laws that require appointment with a carrier in order to discuss that carrier’s plans with a consumer.

An agent can’t add SBM or SBE states because HealthSherpa is focused on states that use the Federally Facilitated Marketplace (FFM). Agents can run quotes in SBM states in HealthSherpa, but when the agent proceeds to enrollment, HealthSherpa links the agent to the state SBM to complete enrollment directly.

Georgia is an exception. HealthSherpa partners with Georgia Access and supports the State of Georgia in the transition to a State-based Exchange (SBE) for Affordable Care Act (ACA) enrollments beginning in plan year 2025. Georgia Access is the first SBE to bring the benefits of the Enhanced Direct Enrollment (EDE) experience to consumers and agents by partnering with EDE entities like HealthSherpa.

Agents can add Georgia to carrier settings and can help Georgia consumers shop for, compare, and enroll in quality, affordable health coverage using HealthSherpa, as in previous years.

Agents need to secure appointments with carriers if they plan to sell plans on a carrier’s behalf. Appointment requirements can vary by state, by carrier, and by line of business (for example, Affordable Care Act (ACA) versus Medicare).

Agents secure appointments by reaching out to carriers directly. Many carriers also have a broker or producer section on their website that can be used as a starting place. To see a list of available carriers by state, visit HealthCare.gov’s Rate Review page.

An agent may not see a carrier they are appointed with because some carriers use different names in different states. HealthSherpa lists every carrier that participates in the Affordable Care Act (ACA). If a carrier is not showing, the agent should confirm the carrier name.

The agent remains responsible for complying with all applicable state insurance laws regarding licensure and appointment. The Enrollee Assistance Program (EAP) may not be used to circumvent state laws that require appointment with a carrier in order to discuss that carrier’s plans with a consumer.

To learn more about appointment requirements by state, check out this insurance carrier appointments by state resource page. Some states also require agents to have at least one appointment with a carrier in the agent’s resident state in order to obtain a Line of Authority (LOA).

Depending on state insurance laws, an agent can enable EAP for any carrier, but the agent remains responsible for complying with all applicable state insurance laws regarding licensure and appointment. The Enrollee Assistance Program (EAP) may not be used to circumvent any laws or regulations.

To learn more about appointment requirements by state, check out this insurance carrier appointments by state resource page. Some states also require agents to have at least one appointment with a carrier in the agent’s resident state in order to obtain a Line of Authority (LOA).

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.

HealthSherpa verifies licensure status in a given state using the National Insurance Producer Registry (NIPR), a national database that stores information on every licensed agent, at the time of each application. Enrollments are blocked if the agent is not licensed in the consumer’s state.

HealthSherpa does not verify appointment settings. HealthSherpa displays appointment status according to NIPR within the Carriers tab.

If both checkboxes are selected for a carrier within a state, applications submitted for that carrier using the agent’s marketing link are submitted using the EAP. If the agent is completing the enrollment for the consumer, the agent is prompted to confirm whether the agent wants to proceed using EAP or adjust carrier settings before proceeding with the enrollment.

HealthSherpa does not block enrollments based on NIPR status. The agent’s NPN (or override NPN) is automatically applied to any application submitted for a carrier that does not have the EAP enabled.

NIPR status information is not available for all carriers and states. HealthSherpa displays all data received from NIPR, but there may be gaps in the information provided.

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.