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Division Director

Greg Thomas

Agent and Agency Services
200 East Gaines Street
Tallahassee, FL 32399-0318
Bureau of Licensing
(850) 413-3137
Bureau of Investigation
(850) 413-3136
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Information on Navigators and Registering

The 2013 Florida Legislature passed legislation regarding the registering and regulation of the “Navigator” position created by federal health care reform. The legislation:

  • Requires individuals acting as a "navigator" under the PPACA to be registered with the Florida Department of Financial Services (DFS). Under the PPACA, beginning on October 1, 2013, individuals and small businesses will be able to purchase private health insurance through the Federally-facilitated Marketplace (FFM).
  • To be registered as a navigator, an individual must:
    • Be a natural person at least 18 years of age;
    • Be United States citizen or legal alien who possesses work authorization from the United States Bureau of Citizenship and Immigration Services;
    • Submit the application for registration by answering all of the questions and paying the fees to complete the online application;
    • Provide official certification that he or she has successfully completed all required training by the federal government and has been certified by them as a Marketplace Navigator. The certificate of completion that states it is "not an official certification record" is not sufficient. Please provide the official certificate that has the navigator's unique ID number assigned by HHS and the organization they are employed;
    • Submit fingerprints for a criminal background check, and
    • Certain crimes would either permanently bar an individual from registration or disqualify an applicant for specified periods.
  • A navigator is prohibited from:
    • Soliciting, negotiating, or selling health insurance;
    • Recommending the purchase of a particular health plan or represent that one health plan is preferable over any other;
    • Recommending or assisting with the cancellation of insurance coverage purchased outside the Exchange;
    • Receiving compensation or anything of value from an insurer, health plan, business, or consumer in connection with performing activities as a navigator, other than from the Exchange or an entity or individual who has received a navigator grant under the PPACA.
  • Specifies grounds for suspension or revocation of registration and authorizes DFS to impose an administrative fine in lieu of, or in addition to suspension or revocation.
  • Any person who acts as a navigator without registration is subject to an administrative penalty not to exceed $1,500.

Navigators are required to adhere to strict security and privacy standards – including how to safeguard a consumer’s personal information. They are required to complete 20-30 hours of training by the federal government to be certified, will take additional federal training throughout the year, and will renew their federal certification yearly. All types of enrollment assisters – including Certified Application Counselors and agents/brokers – are required to complete specific training and are subject to federal criminal penalties for violations of privacy or fraud statutes, on top of any relevant state law penalties.

Individuals interested in becoming Navigators should contact the entities that were awarded Navigator grants by the Department of Health and Human Services (HHS) for potential employment opportunities. Navigators are not hired directly by the federal government or the Marketplace.

The eight Navigator entities that were awarded a grant by the federal government are:

  1. University of South Florida, College of Public Health
  2. Epilepsy Foundation of Florida
  3. Advanced Patient Advocacy, LLC
  4. Legal Aid Society of Palm Beach County, Inc.
  5. Pinellas County Board of County Commissioners
  6. National Hispanic Council on Aging
  7. Mental Health America
  8. Public Health Trust of Miami Dade County dba Jackson Health System

The training curriculum for Navigators is available on the Marketplace website - http://marketplace.cms.gov. Please know that completion of the federal navigator curriculum does not automatically qualify an individual to become a navigator.

Certified Marketplace Application Counselors are not required to be registered as a navigator by the Florida Department of Financial Services (DFS) as they are not regulated by DFS. If you are a certified Marketplace Application Counselor, please do not apply for registration as a Florida navigator.

Health and Human Services Contact Information

If you wish to access information from the Federal Government, such as information regarding the Federally-facilitated Marketplace or Health Insurance Exchange, please go to their website at http://www.healthcare.gov.

FFM Agent/Broker Training

Agent/broker training for the Federally-facilitated Marketplace (FFM) is available online. Agents and brokers may begin their training immediately.

To start taking the training, please visit http://Marketplace.MedicareLearningNetworkLMS.com

In Part II, agents/brokers who wish to serve in the individual market may complete identity proofing on the CMS Enterprise Portal: https://portal.cms.gov/

Please note:

Got Questions?

Check out the information our Division of Consumer Services has on its website at: http://www.MyFloridaCFO.com/Division/Consumers/HealthReform.htm.

Please click here to view a current list of registered navigators.