A certified application counselor (CAC) is a trained individual who helps you apply for and enroll in health coverage through the Marketplace, Medicaid, or CHIP at no cost to you. They're authorized by the Marketplace to provide in-person help with applications, eligibility, and plan selection.
CACs work at organizations like community health centers, hospitals, social service agencies, and other community-based organizations. Unlike navigators (who are funded by federal or state grants), CACs are typically staff members at these organizations who've completed Marketplace certification training as part of their existing role.
A CAC can help you fill out your Marketplace application, understand your eligibility for financial assistance, compare plans, and complete enrollment. They provide free, unbiased help, they don't work for an insurance company and don't earn commissions, so their guidance is focused on what's best for you.
CACs are especially helpful if English isn't your primary language, if you're unfamiliar with health insurance, or if your household situation is complex (mixed immigration status, self-employment income, mid-year changes). They can also help with Medicaid and CHIP applications if you qualify for those programs instead.
To find a certified application counselor near you, visit HealthCare.gov's "Find Local Help" tool or contact your local community health center. During Open Enrollment, many organizations hold enrollment events where CACs are available to walk you through the process in person.
Both help you enroll for free, but navigators are funded by Marketplace grants and work for dedicated outreach organizations. CACs are typically staff at community organizations (like hospitals or health centers) who've been certified to provide enrollment assistance as part of their broader role.
No. CAC services are always free. They don't sell insurance and don't earn commissions. Their role is to help you navigate the application and enrollment process.
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