Consumer Consent

What is consent? Consent is the explicit permission that a consumer grants an agent or broker to take agreed upon actions to affect the consumer’s Marketplace eligibility application or eligibility for financial assistance. You must document and maintain records that a consumer has provided consent prior to providing assistance with applying for or enrolling in Marketplace coverage.

What actions require you to document consent? You must obtain and document the consumer’s consent before:

1
Collecting or using any consumer PII for the purposes of providing a consumer-specific quote or estimate on Marketplace coverage options.

2
Conducting a search for consumer eligibility applications using an Enhanced Direct Enrollment \(EDE\) website.

3
Actively helping a consumer apply for Marketplace coverage or financial assistance by completing an eligibility application on their behalf.

4
Actively enrolling a consumer in a Marketplace qualified health plan \(QHP\).