Who are individuals that assist consumers with the health care coverage application process called?

The individuals who assist consumers with the health care coverage application process are best designated as insurance navigators. Navigators are specifically trained to help individuals understand their health insurance options, guide them through the application process, and help them enroll in plans that best meet their needs. They typically work within the framework of healthcare exchanges and are knowledgeable about various insurance products and the application procedures that consumers must follow.

Navigators play a critical role in facilitating access to health care by providing support to those who may have difficulty understanding the complexities of insurance coverage, particularly after the implementation of the Affordable Care Act. They may assist with questions about eligibility, provide information about available subsidies, and ensure that individuals can effectively complete their applications.

While agents and brokers can also assist with insurance applications, their roles differ in that agents typically represent specific insurance companies and may focus on selling insurance products, while brokers can represent multiple companies but often work on a commission basis. In contrast, navigators do not sell insurance; their role is purely to help consumers find coverage that fits their needs.