Navigators

1. Apply for (or maintain) a registration through the Virginia Bureau of Insurance.

Navigators in Virginia must maintain a registration with BOI in accordance with 38.2 VAC 34-7. Visit Sircon to submit an application for registration with the Bureau of Insurance or to check the status of an application.

The application includes fees: $15 Application Fee and $8.55 Sircon Service Fee (approximate).

Note that as part of the BOI registration Navigators must submit a Criminal History Record Report (CHRR) that is less than 90 days old.

• Virginia Residents will need to download form (SP-167) from the http://www.vsp.state.va.us/  and have the results mailed back to them.
• Non-residents will need a CHRR from their home state less than 90 days old and have the results mailed back to them.

2. Complete Navigator and Assister training through the Marketplace Learning Management System.

• Current Virginia-certified Navigators will be eligible to complete a shorter training program for Plan Year 2025. You would have received an auto-generated email from no-reply@scc.virginia.gov providing your login ID. Visit https://marketplacelms.scc.virginia.gov/ to begin.
• Navigators new to the Virginia Exchange will be required to take the full Marketplace training program for plan year 2025. Navigators without LMS accounts will need to send a request for a new LMS account along with their name, navigator organization name, unique email, unique cell number, and certification number (if applicable) to MarketplaceLMS@scc.virginia.gov.
• Training will be completed at https://marketplacelms.scc.virginia.gov/.
• To receive certification of training completion, you must receive a passing score of 80 on module tests. 
• Your navigator organization will create an assister portal account on the Marketplace Platform on your behalf at www.enroll.marketplace.virginia.gov/hix/account/user/login.
• Verify your profile information in collaboration with your organization.

Navigator organizations apply annually for grants awarded by the Exchange pursuant to § 38.2-6513 of the Code of Virginia. Grants are issued annually by September 1. Once a navigator organization is selected for grant award, it can proceed with the following steps. 

The Exchange will create a Navigator portal account on the Marketplace Platform for your organization. 

1. Verify the information on this portal account is accurate.
2. Create assister portal accounts on the Marketplace Platform for all Navigators operating under your organization.
3. Require navigators to complete (or maintain) required registration through the Virginia Bureau of Insurance, complete Navigator and Assister training through the Marketplace Learning Management System.
4. Navigator Grantees will provide Navigator Program Services to the SCC in accordance with the RFA, the grantee’s executed Navigator Agreement, and applicable federal and state law. Questions regarding the Navigator Program should be sent to Assisterprograms@scc.virginia.gov.

Registered Navigators are required to report any of the following to the Commission at Assisterprograms@scc.virginia.gov within 30 days:

• Any felony convictions (include facts and circumstances around conviction).
• Any administrative action taken against the Navigator in another state or by another governmental agency in the Commonwealth.

A navigator shall not:

• Engage in any activity that would require an insurance agent license.
• Offer advice about which qualified health or dental plan is better or worse for an individual or employer.
• Act as an intermediary between employer and insurer that offers qualified health or dental plans offered through an exchange.
• Violate any unfair trade practice and privacy requirements applicable to the activities of Navigators.
• Receive compensation for services or duties as a Navigator, including compensation from health carriers.

An individual or entity shall not claim to be and/or conduct business as a Navigator without:

• Being selected as such in accordance with federal or state law.
• Having evidence of successful completion of all Navigator requirements prescribed by the Virginia Exchange.
• Meeting additional requirements outlined in §38.2-3457.

If any individual or entity engages in one or more of the prohibited activities above, a complaint may be filed with the Commission. If the complaint is verified after investigation, the individual or entity may be ordered to cease and desist further prohibited conduct.