More states are banning NPN override. Is your agency ready?
Following guidance from several states, HealthSherpa for Agents has been updated to ensure enrollments in the five affected states are submitted with the writing agent’s NPN.
You won't have the option to allow downline agents to use an override NPN in Iowa, New Hampshire, North Carolina, South Dakota, or Wisconsin.
Read on for more information on these changes and how they affect NPN override on HealthSherpa.
STATES REQUIRING WRITING NPN
Five states require enrollments be submitted by the writing agent
Enrollments in the states below may only be submitted using the writing agent’s NPN. Where information from states is available it is included below. For more information about requirements in a specific state, contact its Department of Insurance.
| STATE | GUIDANCE |
|
Iowa |
In response to the bulletin from the state of Iowa, the HealthSherpa platform has been updated to ensure that enrollments in Iowa are submitted with the writing agent’s NPN. |
|
New Hampshire |
In response to direction from the direction from the state of New Hampshire, the HealthSherpa platform has been updated to ensure that enrollments in New Hampshire are submitted with the writing agent’s NPN. |
|
North Carolina |
In response to the memorandum from the State of North Carolina, the HealthSherpa platform has been updated to ensure that enrollments in North Carolina are submitted with the writing agent’s NPN. |
|
South Dakota |
In response to direction from the state of South Dakota, the HealthSherpa platform has been updated to ensure that enrollments in South Dakota are submitted with the writing agent’s NPN. |
|
Wisconsin |
In response to the bulletin from the state of Wisconsin, the HealthSherpa platform has been updated to ensure that enrollments in Wisconsin are submitted with the writing agent’s NPN. |
GUIDANCE FOR AGENCIES
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What if my agency uses NPN Override
If your agency uses NPN override, enrollments in the five affected states will now use the writing agent’s NPN in all cases. The agent experience depends on whether your agency allows agents to use their own NPN:
If your agency uses NPN override and allows your direct downline agents to use their own NPN, the choice to submit with their own NPN or an override is removed on their "Confirm your plan" page.
If your agency uses NPN override and does not allow your direct downline agents to use their own NPN, enrollments in the five affected states will still be submitted with the writing agent’s NPN.
In either case, your agents will see a banner informing them that their NPN will be on the enrollment.
WHAT IS NPN OVERRIDE
What is NPN Override?
The NPN override feature on HealthSherpa for Agents lets agency accounts choose EDE-enabled agents from their immediate downline (including the agency admin themselves) and make them an "override agent." Every agent in the agency can then select from a list of override NPNs at the end of the application. Whichever NPN they choose will be applied to that application.
NPN overrides should not be used to avoid state appointment laws. Agents and agencies are responsible for complying with federal and state laws when using NPN overrides. In most states, this means both the agent working with the customer and the agent whose NPN is chosen to be applied to the application must be appointed with the carrier.
Enrollments in Iowa, New Hampshire, North Carolina, South Dakota, and Wisconsin may only be submitted using the writing agent’s NPN. For more information about requirements in a specific state, contact its Department of Insurance.
Want to learn more?
Read about NPN Override, why agencies use it, and how the features work on HealthSherpa for Agents in more detail in our Help center.
For agencies:
NPN Override can only be turned on by an agency account.
Check back often for the latest information and resources from HealthSherpa. We're working hard to help you navigate these signficant changes.
Not on HealthSherpa? Create a free agent account or request a demo for your agency!
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