What is required of brokers when helping clients with health plan selection in the FFM?

Brokers play a critical role in assisting clients with health plan selection in the Federally-facilitated Marketplace (FFM). They are required to help clients understand their coverage options and costs, which is essential for making informed decisions about their health insurance. This involves explaining the various plan types, what benefits are included, and how these plans can meet their individual health needs and financial situations. Providing this guidance ensures that clients can select a plan that best fits their circumstances, thus promoting informed consumer choice in the healthcare marketplace.

In contrast, the other options entail obligations that are not necessarily required of brokers. For example, it is not a requirement for clients to possess insurance licenses to receive assistance. Additionally, while considering premium costs is important, brokers should not solely prioritize the lowest premium plans, as such plans may not provide adequate coverage for a client's needs or come with high out-of-pocket costs. Encouraging clients to purchase additional insurance is also not mandated; instead, brokers should focus on helping clients identify the right health plan for their specific situations rather than upselling. Thus, option B aligns with the core responsibilities of brokers in the FFM, emphasizing the need for consumer understanding in health insurance selection.