Navigators helping consumers with their public program renewal may find the client is now eligible to enroll in a qualified health plan. We encourage navigators to partner with MNsure-certified brokers to ensure consumers are able to find the best health insurance for their individual needs as they transition to private coverage.

Brokers are licensed by the State of Minnesota to sell insurance products and are able to recommend plans and help the consumer with resolving claims during the plan year. Navigators may provide consumers information about health insurance plans, but they are prohibited from advising consumers on which plan to select. If you have more questions about these differences, check out the joint bulletin issued by MNsure and the Department of Commerce.

Did you know that navigators and brokers can both get paid for helping a consumer through the renewal process? A navigator may be eligible for payment for assisting a consumer with completing their renewal (see the /assister-central/navigator-one-stop/policy-procedures/navigator-payment-policy.jspPayment Policy) and then hand the consumer off to a broker who would receive compensation from the carrier for enrolling them in a plan.