Video Transcript: Affordable Care Act - Broker

An animated figure stands waving into the camera. More figures appear in a trio of bubbles around the first figure. Animated arms shake hands.

ON SCREEN TEXT: BROKERS

MALE NARRATOR: Traditionally, brokers and health insurance agents have helped individuals, families, and employers understand and buy the right health insurance for them.

An animated navy blue caduceus appears on a blue background. Blue and white text winds around it.

ON SCREEN TEXT: AFFORDABLE CARE ACT

NARRATOR: Now, the Affordable Care Act, referred to as "the Act," adds a new option for purchasing coverage.

An animated computer monitor displays animated graphics.

ON SCREEN TEXT: Online Health Insurance Marketplace

ON SCREEN TEXT: EXCHANGE

NARRATOR: Under the Act, each state is required to have an online Health Insurance Marketplace, also called an exchange.

A map of California appears above an animated computer monitor and white text. Maps of Minnesota and then New York replace California.

ON SCREEN TEXT: Research

ON SCREEN TEXT: Compare

ON SCREEN TEXT: Enroll

NARRATOR: These marketplaces let consumers research, compare, and enroll in health plans from health insurance companies.

An animated figure stares into a computer monitor.

NARRATOR: The Act also requires most Americans to have health insurance coverage or potentially pay a penalty.

An animated figure waves at the camera. A question mark appears over its head as the camera pans out to reveal lots of other figures standing alone or in clusters around the first, all with question marks over their heads.

NARRATOR: This means millions of consumers who have never had coverage before may be shopping for health insurance.

The question marks above the figures' heads spin and turn into blue, green, or yellow dots.

NARRATOR: Some consumers may receive coverage through government programs like Medicaid. Others may purchase coverage directly from health insurers. And still others may have coverage through their employer.

A road forms between two figures and turns yellow.

NARRATOR: These marketplaces provide a new avenue for consumers to access and purchase coverage and a new way for brokers to connect with consumers. Blue text appears on a yellow background.

ON SCREEN TEXT: There are 2 types of Marketplaces

An animated sequence depicting various web marketplaces.

ON SCREEN TEXT: SHOP

ON SCREEN TEXT: Small Business Health Options Program

ON SCREEN TEXT: INDIVIDUAL MARKETPLACES

NARRATOR: One for small businesses called SHOP--short for Small Business Health Options Program, and another called Individual Marketplaces, which is where individuals can shop for insurance.

ON SCREEN TEXT: FEDERAL SUBSIDY ASSISTANCE

NARRATOR: This is also where individuals can find out if they are eligible for Federal Subsidy Assistance. Subsidies are only available in the individual marketplaces.

An animated map of the United States unfolds. Blue dots appear in most of the states.

ON SCREEN TEXT: STATE

ON SCREEN TEXT: FEDERAL

ON SCREEN TEXT: PARTNERSHIP

NARRATOR: Marketplaces exist in each state and are operated by either the state government, by the federal government, or as a partnership between the two.

An animated figure waves at the camera as a triangular arrow spins slowly over its head.

ON SCREEN TEXT: NAVIGATORS

NARRATOR: The Act also introduced the role of Navigators. They help consumers understand and explore their insurance choices and enroll in a health plan.

 Animated figures stand alone or in clusters on a purple background. They wave. A magnifying glass enlarges one figure as it waves.

NARRATOR: As many small business owners, individuals, and families consider their options, they're looking to brokers for guidance in what can feel like complicated new territory.

The magnifying glass enlarges a cluster of figures, and they wave.

NARRATOR: For example, some families may have different members receiving coverage from different sources.

The cluster of figures, each wearing a green shirt, stands on a green background.

ON SCREEN TEXT: the GREEN family

ON SCREEN TEXT: CHILDREN'S HEALTH INSURANCE PROGRAM

ON SCREEN TEXT: C.H.I.P.

ON SCREEN TEXT: EMPLOYER

ON SCREEN TEXT: UNINSURED

NARRATOR: Meet the Green family. Their kids are currently insured through the Children's Health Insurance Program, or C.H.I.P, a government program. Dad has insurance through his employer, but Mom is uninsured.

Two figures sit at a table with a laptop. They gesture at one another.

NARRATOR: Ms. Green can use a marketplace to find a plan that meets her needs. A broker can help her select and purchase coverage, whether through marketplaces or directly from a health insurer. Under the Act, many additional families and individuals may qualify for Federal Subsidy Assistance. These subsidies will help reduce costs.

White text appears on a red background. A text list appears on an animated clipboard.

ON SCREEN TEXT: TO QUALIFY FOR A SUBSIDY:

ON SCREEN TEXT: CHECK LIST

ON SCREEN TEXT: Use Individual Marketplace

ON SCREEN TEXT: Income requirements

ON SCREEN TEXT: No affordable options

ON SCREEN TEXT: Not eligible for government programs

NARRATOR: To qualify for a subsidy, individuals or families must: buy insurance through the individual marketplaces, meet household income requirements, not have affordable health insurance available through an employer, and not be eligible for Medicaid, Medicare, or other government programs.

A sign for federal subsidy assistance appears.

ON SCREEN TEXT: FEDERAL SUBSIDY ASSISTANCE

NARRATOR: The subsidy can be used to lower the month premium costs and, for qualifying individuals, to reduce the out-of-pocket expenses.

Text appears on an animated web browser.

ON SCREEN TEXT: INDIVIDUAL MARKETPLACES

ON SCREEN TEXT: Are you eligible?

NARRATOR: The marketplaces determine eligibility based on the application.

Two figures stand in front of a storefront. Speech bubbles appear and disappear in front of each figure.

ON SCREEN TEXT: SHOP

NARRATOR: Okay, now let's talk SHOP and how brokers work with small businesses through the marketplaces. Brokers can help small business owners understand their options and choose a plan that best meets their budget and needs, whether it's from the SHOP or the traditional commercial market. After helping an employer understand the options available...

The camera pans left to reveal a cluster of figures standing near the first two. Speech bubbles appear near a couple figures.

NARRATOR: The broker may work with individual employees to answer their questions and help them enroll. Subsidies are not available to employees who get their insurance through SHOP, but employers may pay a portion of their employees' health insurance premiums to lower their employees' costs.

Question marks appear around an animated web browser.

ON SCREEN TEXT: MARKETPLACES

ON SCREEN TEXT: Q & A

NARRATOR: There are sure to be questions along the way. It's important for both employers and individuals to know that if they purchase health insurance through the marketplaces that the marketplaces, not the insurer, are the source for answers to questions related to eligibility and enrollment.

A building with a UnitedHealthcare sign on top rises up.

ON SCREEN TEXT: Coverage

NARRATOR: Questions related to health insurance coverage are typically handled by the insurer. A figure stands at the confluence of three paths stemming from buildings emblazoned with letters.

A yellow coin comes from one each building one by one and disappears at the figure.

ON SCREEN TEXT: A B C

ON SCREEN TEXT: How Are Brokers Reimbursed?

NARRATOR: So how do brokers get reimbursed? Some marketplaces may choose to let health insurers and brokers work together as they do today. Others may choose to distribute the broker fees, and some may set the broker fees.

White text appears on a blue background.

ON SCREEN TEXT: HealthCare.gov

NARRATOR: Brokers can visit healthcare.gov to find more information and the link to their state's marketplace site.

White text appears on a red background.

ON SCREEN TEXT: TO SERVE INDIVIDUALS IN THE MARKETPLACES:

ON SCREEN TEXT: BROKERS MUST FIRST:

ON SCREEN TEXT: CHECK LIST

ON SCREEN TEXT: Register with CMS

ON SCREEN TEXT: Online training

ON SCREEN TEXT: State training

ON SCREEN TEXT: Compliance

ON SCREEN TEXT: REGISTER with CMS at CMS.gov

NARRATOR: To serve individuals in the federal or federal state partnership individual marketplaces, brokers must first: register with CMS at cms.gov, complete online training courses on marketplace-specific subjects, complete any state-required training, and understand and comply with laws and regulations around privacy, confidentiality, and state licensing. Although it's not required, they may also register with CMS to help in SHOP marketplaces. For marketplaces operated by the state, check the state's website for any certification requirements.

An animated sequence depicts a flipping calendar.

ON SCREEN TEXT: OPEN ENROLLMENT

ON SCREEN TEXT: Open Enrollment starts: NOVEMBER 15

The animated UnitedHealthcare building reappears. Animated figures appear on the ground below and around the building. They wave at the camera.

NARRATOR: At UnitedHealthcare, we value our partnerships with brokers. While the marketplaces bring change, we see a bright future. We look forward to serving our UnitedHealthcare members, inside and outside of the health insurance marketplaces.

Blue text appears on a light blue background.

ON SCREEN TEXT: For more information, visit Healthcare.gov or UHC.com

Blue text appears on a gray background.

ON SCREEN TEXT: UnitedHealthcare This video was brought to you by UnitedHealthcare