What function do navigators serve in the Federally-facilitated Marketplace?

Navigators play a crucial role in the Federally-facilitated Marketplace by providing assistance to individuals seeking to enroll in health coverage. Their primary function is to help consumers understand their options and guide them through the enrollment process, ensuring that they can make informed choices regarding their healthcare coverage. Navigators are specifically designed to facilitate access to the Marketplace, providing information about available plans, insurance terminology, financial assistance options, and eligibility criteria.

The role is integral to improving access to health insurance, particularly for populations that may have barriers to enrollment, such as those with limited knowledge of the insurance process or those needing assistance with technology. By offering personalized support and guidance, navigators can enhance the overall experience for consumers, ultimately leading to increased enrollment and coverage rates.

In this context, the other functions listed do not align with the purpose of navigators. For instance, denying enrollment applications, selling insurance policies directly, or managing Marketplace funds are outside the scope of what navigators are trained to do. Their mission is solely focused on aiding consumers in navigating the complexities of health insurance enrollment.