News about OnlineNavigator and the insurance exchange

9/21/2017 - The future of the insurance exchange system is uncertain under the new priorities of the Trump administration. The change triggered an increase in consumer questions and confusion this year with fewer clear answers available. OnlineNavigator support is now limited to members of employers, groups or other individuals who have separately contracted for this service. This OnlineNavigator service is no longer available to the public.

10/17/2014  - 2015 navigator and assister training programs are available through the Centers for Medicare and Medicaid Services for both the individual insurance market and the small business SHOP programs.

11/26/2013 - The Centers for Medicare and Medicaid Services now reports that 90 percent of users are now able to create accounts at even though fewer are successful with completing the enrollment process. Some consumers remain concerned about the fundamental requirement at that requires a user to provide personal information before the available insurance requirements are shown. Based on this objection, we made arrangements with Members Insurance Exchange, an alternate private insurance enrollment exchange using a platform developed by Ehealth to provide quotes faster and easier. A number of other commercial service now offer a work-around to insurance pricing at Users can now use any option to get insurance process but lower income applicants should be aware that at this point there are still problems completing the subsidy qualification process with all of these options. The best option is simply to wait until these issues are resolved.  If you want coverage that will start January 1, 2014, the application deadline is December 23, 2013. The insurance exchanges expect to have the issues resolved before that date.

5/22/2013 Comments from OnlineNavigator founder Tony Novak were featured in a May ../images/Navigator-article-Insurancenewsnet.pdf2013 article in Insurancenewsnet about the impact of health insurance navigators on the agent/broker business.

4/19/2013 OnlineNavigator formally endorses Members insurance exchange in a press release.

4/2/2013 The federal Department of Health and Human Services released proposed rules for navigators on the 33 state health insurance exchanges that will be run by the federal government. The proposed rules are open for public comment until May 5.

3/16/2013 Information previously included on this site related to required training and licensing of agents for the California Pre-Existing Condition Insurance Plan (PCIP) has been removed because the PCIP is no longer accepting new applicants nor licensing agent/producers.

2/18/2013 An outline of the training course for health insurance agents and brokers acting as navigators was published by CMS and reproduced at

1/14/2013 HR 1206 - would modify the 2010 health care overhaul law to amend the law's provision on medical loss ratios in an effort to protect the earnings of insurance brokers and agents. The House Energy and Commerce committee panel voted to advance that bill on September 11, 2012. It is still uncertain as to whether the proposal will be adopted by the full House of Representatives.

8/30/2012 Undocumented immigrants ineligible for Pre-existing Condition Insurance Plan August 30, 2012

8/28/2012 Trouble ahead for District of Columbia Insurance Exchange?

8/23/2012 Federal requirements for navigators in a state-run insurance exchange

8/22/2012 Dos and don'ts for diabetics shopping for insurance

7/9/2012 Health care tax penalty panning for employers

5/31/2012 Iowa passes insurance navigator licensing and regulation legislation

Draft Blueprint for Approval of Affordable State-based and State Partnership Insurance Exchanges

Navigators in health insurance exchanges

PPACA authorizes health insurance Navigators

Health exchanges and qualified plans

Consumer questions about COBRA coverage