Can a health insurance navigator sign me up for a plan on my behalf?

Direct answer

No, because navigators are trained to provide unbiased guidance and help you understand your options, but they are not authorized to make final plan selections or enroll you without your explicit consent and verification.

Federal guidelines established by the Centers for Medicare & Medicaid Services regarding Navigator program standards and ethical conduct. For additional information about program standards, see the Centers for Medicare & Medicaid Services‘ official guidance on assister roles.


What this means for you

No, because navigators are trained to provide unbiased guidance and help you understand your options, but they are not authorized to make final plan selections or enroll you without your explicit consent and verification.

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