Agent of Record

Agent of Record

An Agent of Record, or AOR, connects a MNsure-certified broker to a consumer’s qualified health plan or dental plan enrollment. AOR information is used by MNsure and insurance carriers to identify the broker associated with a consumer’s enrollment.

In MN-EES, AOR is established through broker-client association in the MNsure portal. Brokers must be associated with the consumer in the portal for AOR to be created and sent to the carrier.

Establishing AOR in MN-EES

Brokers can establish AOR in MN-EES through the MNsure broker portal. The broker and consumer must be connected in the portal using one of the available association paths.

AOR may be established when:

  • The consumer designates the broker in their MNsure account.
  • The broker initiates the association and the consumer confirms it.
  • The broker starts the application with the consumer through the broker portal.

Brokers should establish the portal association as early as possible when they begin working with a consumer. This helps ensure the broker’s AOR is connected to the consumer’s enrollment and transmitted to the carrier.

Portal Association Matters

The MNsure broker portal is the primary tool for supporting qualified health plan and dental plan clients in MN-EES. Broker-client association allows brokers to assist consumers with application and enrollment activity and helps maintain the AOR connection needed for carrier transmission.

Because AOR is established through portal association, brokers should confirm they are associated with the consumer before or during the enrollment process whenever possible.

Retroactive AOR Requests

A retroactive AOR may be needed when a broker assisted a consumer with enrollment, but the broker-client association was not established in the portal for the original effective date of the consumer’s policy.

In MN-EES, retroactive AOR requests are submitted through a ticket in the MNsure broker portal. This process allows MNsure to review the request and update the AOR when the request meets applicable requirements.

Brokers should submit retroactive AOR requests as soon as possible after identifying that the AOR was not established for the correct effective date. Brokers should also complete the portal association with the consumer so the AOR can be maintained going forward.

Broker Requirements

For AOR to be valid and transmitted to the carrier, the broker must meet all applicable MNsure certification, licensing, and carrier appointment requirements.

Brokers are responsible for ensuring they are properly certified and appointed before assisting consumers and before expecting AOR transmission to the carrier.