Insurance navigator bill approved

Senators passed a bill June 4 that will register individuals and entities applying for and acting as navigators for the state’s health benefit exchange.

The exchange will be established in Nebraska under the Affordable Care Act (ACA), which requires that all exchanges include programs to assist individuals in navigating the new system.

LB568, introduced by Omaha Sen. Burke Harr, establishes a registration program for navigators within the state Department of Insurance.

Navigators must be at least 18 years old and will be required to pass an examination and be authorized to act as a navigator. The maximum registration fee will be $25 for an individual and $50 for an entity. Registration will be valid for one year and may be renewed for a fee.

Navigators will be prohibited from:
• engaging in any activities that would require an insurance producer license;
• violating Nebraska insurance licensure law;
• recommending or endorsing a particular health plan;
• advising consumers about which health plan to choose;
• accepting compensation dependent on whether a person enrolls in or purchases a qualified health plan; or
• failing to respond to an inquiry from the director.

The bill passed 49-0 and takes effect immediately.