Mo. Dept of Insurance makes rules for online health care marketplace "navigators"

Jul 26, 2013

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The Missouri Department of Insurance has filed an emergency rule for the licensing of people that will help state residents search for health plans on an online marketplace. Legislation signed this year by Gov. Jay Nixon creates state requirements for the helpers, who are called navigators.

People applying for a state license will need to pass an examination. The cost for applying will be $25 for individuals and $50 for an entity. Licenses will be valid for two years. Requirements for a navigator license will include being age 18 or older, living in Missouri or keeping a business in the state. Those wanting to be navigators also should not have committed any acts that would grounds to refuse an insurance producer license.

Meantime, the Department of Insurance has also created a new section of its website, which the department says makes it just the second in the nation to give consumers an online example of insurance policies available in the state.

The department has posted sample homeowners' and auto policies on its website from most of the leading insurance suppliers. The goal is to provide a one-stop shopping site for insurance consumers. The companies listed on the department's website account for about 80 percent of the market share in Missouri. The agency says that Nevada was the first state to provide sample insurance policies online.