This online Manual contains standard operating procedures (SOPs) for Navigators and certified application counselors (CACs) who assist consumers within a Federally-facilitated Marketplace for the individual market (also referred to as an “Individual Federally-facilitated Marketplace,” “Individual FFM,” or “Individual Marketplace”). The SOPs reflect requirements, policies, and best practices under the Patient Protection and Affordable Care Act as amended by the Health Care and Education Reconciliation Act of 2010, and as further amended (referred to collectively as the Affordable Care Act), Centers for Medicare & Medicaid Services (CMS) regulations, and CMS guidance.
The CMS Center for Consumer Information & Insurance Oversight (CCIIO) maintains this Manual as an online catalog of topic-specific assister SOPs and will periodically update individual portions of the Manual as relevant regulations, guidance, or policies are released. In the future, CCIIO may alter, delete, suspend, or discontinue the procedures detailed in various portions of this Manual.
This Manual is not intended to take the place of the statutes, regulations, and formal policy guidance it is based upon. It summarizes current policy and operations as of the date it was published. We encourage assisters to refer to these statutes, regulations, and interpretive guidance for complete and current information about the requirements that apply to them.
Certain portions of the Manual contain screenshots from HealthCare.gov that are intended only as an example of what you and/or the consumer may see when the consumer is completing an application at HealthCare.gov. All names and contact information used in the screenshots are fictional. The use of health insurer names and/or health plan names are for demonstration purposes only and should not be construed as an endorsement by CMS of any specific health insurer or health plan.