31A-23b-211. Exceptions to navigator licensing.

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A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

Effective 5/3/2023

(1)For purposes of this section:

(a)"Negotiate" is as defined in Section 31A-23a-102 .

(b)"Sell" is as defined in Section 31A-23a-102 .

(c)"Solicit" is as defined in Section 31A-23a-102 .

(2)The commissioner may not require a license as a navigator of:

(a)a person who is employed by or contracts with:

(i)a health care facility that is licensed under Title 26B, Chapter 2, Part 2, Health Care Facility Licensing and Inspection , to assist an individual with enrollment in a public program or an application for premium subsidy; or

(ii)the state, a political subdivision of the state, an entity of a political subdivision of the state, or a public school district to assist an individual with enrollment in a public program or an application for premium subsidy;

(b)a federally qualified health center as defined by Section 1905(1)(2)(B) of the Social Security Act which assists an individual with enrollment in a public program or an application for premium subsidy;

(c)a person licensed under Chapter 23a, Insurance Marketing - Licensing Producers, Consultants, and Reinsurance Intermediaries , if the person is licensed in the appropriate line of authority to sell, solicit, or negotiate accident and health insurance plans;

(d)an officer, director, or employee of a navigator:

(i)who does not receive compensation or commission from an insurer issuing an insurance contract, an agency administering a public program, an individual who enrolled in a public program or insurance product, or an exchange; and

(ii)whose activities:

(A)are executive, administrative, managerial, clerical, or a combination thereof;

(B)only indirectly relate to the sale, solicitation, or negotiation of insurance, or the enrollment in a public program offered through the exchange;

(C)are in the capacity of a special agent or agency supervisor assisting an insurance producer or navigator;

(D)are limited to providing technical advice and assistance to a licensed insurance producer or navigator; or

(E)do not include the sale, solicitation, or negotiation of insurance, or the enrollment in a public program;

(e)a person who does not sell, solicit, or negotiate insurance and is not directly or indirectly compensated by an insurer issuing an insurance contract, an agency administering a public program, an individual who enrolled in a public program or insurance product, or an exchange, including:

(i)an employer, association, officer, director, employee, or trustee of an employee trust plan who is engaged in the administration or operation of a program:

(A)of employee benefits for the employer's or association's own employees or the employees of a subsidiary or affiliate of an employer or association; and

(B)that involves the use of insurance issued by an insurer or enrollment in a public health plan on an exchange;

(ii)an employee of an insurer or organization employed by an insurer who is engaging in the inspection, rating, or classification of risk, or the supervision of training of insurance producers; or

(iii)an employee who counsels or advises the employee's employer with regard to the insurance interests of the employer, or a subsidiary or business affiliate of the employer; and

(f)an Indian health clinic or Urban Indian Health Center, as defined in Title V of the Indian Health Care Improvement Act, which assists a person with enrollment in a public program or an application for a premium subsidy.

(3)The exemption from licensure under Subsections (2)(a) ,

(b), and

(f)does not apply if a person described in Subsections (2)(a) ,

(b), and

(f)enrolls a person in a private insurance plan.

(4)The commissioner may by rule exempt a class of persons from the license requirement of Subsection 31A-23b-201(1) if:

(a)the functions performed by the class of persons do not require:

(i)special competence;

(ii)special trustworthiness; or

(iii)regulatory surveillance made possible by licensing; or

(b)other existing safeguards make regulation unnecessary.

Amended by Chapter 328 , 2023 General Session