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Agents selling in states that use the Federally-facilitated Marketplace (FFM) must complete training each year to earn FFM certification.
In this article we'll cover:
FFM certification is not required for HealthSherpa Enrollee Assistance Full-Service account types.
FFM certification at a glance
The term Marketplace can refer to either the Federally Facilitated Marketplace (FFM) or a State-based Marketplace (SBM). Certification requirements vary by state and typically require a specific Marketplace training.
Agents selling in states utilizing the FFM must complete FFM training to earn FFM certification.
Agents selling in states utilizing an SBM must complete the unique certification requirements of the specified state to earn that state's SBM certification.
Agents must complete Marketplace training each year in order to become certified to sell Affordable Care Act (ACA) plans for the designated plan year.
Accessing FFM training
FFM training is available at no cost and must be accessed through the Centers for Medicare & Medicaid Services (CMS) Enterprise Portal.
Plan year 2027:
Returning agents: Agents who completed FFM training for plan year 2026 will follow the steps outlined in the CMS guide for returning agents to earn FFM certification for plan year 2027.
New agents: Not available until after OEP for plan year 2027.
CMS announced a moratorium (a pause) on FFM training for new agents, meaning agents who did not complete FFM training for plan year 2026. The pause will remain in place until February 1, 2027.
Plan year 2026:
No longer available. Plan year 2026 registration and training closed when the CMS Marketplace Learning Management System (MLMS) entered the "Go Dark" period on July 12, 2026.
For additional guidance on how to complete FFM training, go to the CMS Registration and Training for Marketplace Agents and Brokers page.
How to check FFM certification status
FFM certification status can be confirmed by visiting the Agent and Broker Registration Completion List.
Frequently asked questions
Does FFM certification cost anything?
No. FFM training is free, and there is no fee required to earn FFM certification.
Can agents who were not FFM certified during plan year 2026 service plan year 2027 applications?
Agents can service plan year 2026 applications once they have completed plan year 2027 FFM certification.
What is an FFM username?
The Federally Facilitated Marketplace (FFM) username is the User ID used to sign in to the CMS Enterprise Portal. Agents create their FFM User ID when they complete FFM registration through the CMS Enterprise Portal for the first time.
Each agent must have their own unique FFM User ID. CMS does not allow agents to share credentials or have more than one FFM User ID.
What should an agent do if they do not know their CMS Enterprise Portal credentials?
If an agent does not know their CMS Enterprise Portal username, also called an FFM User ID, the agent should follow the CMS username recovery process.
If an agent does not know the CMS Enterprise Portal password, the agent should follow the CMS password reset process.
What should an agent do if there are issues with the CMS Enterprise Portal?
If an agent is experiencing issues with the CMS Enterprise Portal, the agent should review the CMS Enterprise Portal FAQ or User Guide. The agent may also contact the CMS Agent Broker Help Desk at 1 (855) 267-1515 or email FFMProducer-AssisterHelpDesk@cms.hhs.gov.
Is FFM certification required to sell off-exchange plans?
No. FFM certification is not required to sell off-exchange plans.
Agents who are not FFM certified should leave the FFM username field blank during account creation.
Is FFM certification required to sell plans in states using an SBM?
No. In states that use an SBM, agents can quote and shop for plans in HealthSherpa without FFM certification. When it's time to complete the application and enrollment submission, HealthSherpa directs the agent to the state's SBM website.
Agents who are not FFM certified should leave the FFM username field blank during account creation.
HealthSherpa supports enrollment submissions in Georgia, which uses an SBM called Georgia Access. Agents certified with a supported SBM, such as Georgia Access, must contact Agent Support after account creation. Identity verification is still required for these agents and is completed manually.
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.