Only brokers or assisters can initiate the process to appoint an agent of Record/Authorized Representative. True or False?

The correct answer is that it is false that only brokers or assisters can initiate the process to appoint an agent of Record/Authorized Representative. In the context of the Pennie Individual Marketplace, any individual applying for coverage has the ability to appoint an authorized representative. This means that applicants themselves can directly initiate this process, which allows them to designate someone—such as a friend, family member, or unrelated third party—to communicate with the insurance company on their behalf regarding their applications or coverage.

By allowing applicants to appoint authorized representatives themselves, the system promotes greater accessibility and flexibility for consumers, enabling them to receive help in navigating the marketplace as needed. This aspect is vital for meeting the diverse needs of individuals who may require assistance, thereby enhancing the overall support available within the insurance enrollment process.