A navigator is a federally trained and certified individual or organization that helps people understand their health insurance options and enroll in coverage through the ACA Marketplace. Navigators are funded by federal grants and must complete comprehensive training and certification to assist consumers. Their services are free.
What navigators can do:
What navigators cannot do:
Navigators are particularly valuable for people who are uninsured, have limited English proficiency, or are unfamiliar with the Marketplace. They are distinct from licensed insurance agents and brokers, who can recommend specific plans and are compensated through carrier commissions.
Both offer free assistance with Marketplace enrollment. The key difference is that navigators are federally funded, cannot recommend specific plans, and cannot sell insurance. Licensed brokers and agents can recommend specific plans based on your needs and are compensated by carriers. For personalized plan selection and ongoing support throughout the plan year, a licensed broker is typically the more useful resource. For general education and application help — especially in underserved communities — navigators fill an important gap.
Use the Find Local Help tool at LocalHelp.HealthCare.gov. You can search by zip code to find navigators, certified application counselors, and licensed agents in your area. In Florida, community health centers and legal aid organizations also frequently have certified navigators on staff.
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