Who qualifies to act as a certified application counselor (CAC)?

Individuals who qualify to act as certified application counselors (CAC) are those who have completed specific formal training and assist consumers in navigating health insurance options without compensation. This role is essential for helping consumers understand their insurance choices under the Affordable Care Act and providing assistance during the application process.

The training equips CACs with the necessary knowledge about various insurance products, eligibility criteria, and the enrollment process, making them valuable resources for individuals seeking health coverage. Because they assist consumers without pay, they can maintain an impartial stance and focus on helping clients find the best insurance options that suit their needs, rather than promoting specific products.

In contrast, licensed insurance agents typically work for commissions and may guide clients based on their business interests, which distinguishes them from CACs. Volunteers may assist, but only those who have undergone formal training and are certified can officially engage as CACs. Employees of insurance companies usually promote their own products, which does not align with the objective of a CAC, which is to provide unbiased assistance to consumers.