Agents and brokers may assist employees in the same way they assist employers with SHOP application and enrollment directly on the SHOP website.
The employee must first log directly into his or her own Marketplace account. The agent or broker may assist the employee in creating his or her account if needed, but the employee or legally authorized representative must create his or her own Marketplace username and password and should not share this information with third parties, including agents and brokers. The agent or broker will then assist with completing the application, where the employee will be prompted to enter the agent or broker’s National Producer Number (NPN) and other identifying information.
The following screen lists the steps in the employee enrollment and plan selection process. It is important to note both the steps of enrollment and the additional information listed below each step in the process.
After the employer chooses a qualified health plan (QHP), Agents can help employees complete the application.
In 2014, because the employer will select a single QHP, agents can then help the employee input his or her personal information, including information for dependents, if applicable.
The employee will need to decide whether to enroll dependents if dependent coverage is offered.
Agents may help employees enrolled in a SHOP plan to enroll their dependents in the same plan. Dependent enrollment can occur during initial enrollment, the annual open enrollment period, or SEPs throughout the year.
When a small business owner hires new employees, agents can assist new employees who wish to enroll in the employer’s SHOP plan.
Once an employer has added the new employees to the roster, those employees are eligible to enroll in coverage through a SHOP. The SHOP or applicable insurance companies may request proof an employee is on payroll or that a dependent is eligible for coverage when they enroll.
There may be a waiting period set by the employer for new employees. The length of the waiting period can be changed during an employer’s annual renewal, but cannot exceed 90 days.
Next Topic: Enrollment Timeline
Obamacare Agents Call 877-532-3261. Consumers Call 862-262-2273