What is the main responsibility of agents and brokers in the Federally Facilitated Marketplace (FFM)?

The primary responsibility of agents and brokers in the Federally Facilitated Marketplace (FFM) is to assist consumers in selecting health insurance options. This role involves guiding individuals and families through the complexities of the health insurance system, helping them to evaluate different plans based on their needs, preferences, and financial situations. Agents and brokers serve as knowledgeable intermediaries who can clarify information about benefits, costs, and coverage options, which is particularly important given the variety of plans available in the marketplace.

While managing insurance claims, directly providing medical care, and utilizing a database of insurer information are tasks associated with other roles within the healthcare system, they do not encapsulate the core function of agents and brokers. Agents and brokers focus primarily on facilitating informed decision-making for consumers rather than handling claims or performing medical services.