Who assists consumers in understanding health coverage options without being responsible for outreach?

The role of certified application counselors is focused specifically on assisting consumers with understanding their health coverage options. They are trained to help individuals navigate the complexities of health insurance programs, such as those available through the Affordable Care Act. Their primary function is to provide information and support to consumers regarding application processes and the benefits of different plans.

Certified application counselors are not responsible for outreach, which means they do not actively seek out individuals to provide assistance; rather, they are available for consumers who seek help voluntarily. This positions them uniquely in the network of support services, where they can offer detailed guidance tailored to the individual's needs.

Navigators also provide assistance with health coverage options but are specifically designed to carry out outreach activities to help individuals find their way to the appropriate resources. Insurance agents focus on selling insurance products and may not have the same support role as certified application counselors. Healthcare providers primarily deal with clinical services rather than insurance education. Thus, the training and role of certified application counselors best fit the description provided in the question.