How to get FFM certified to sell ACA health plans

Getting FFM certified is a key step for insurance agents who want to expand their offerings with ACA health plans. As demand for affordable healthcare continues to grow, being certified allows you to connect clients with the coverage they need.

In this guide we’ll walk you through the steps required to get certified to sell health insurance plans on the Federally Facilitated Marketplace (FFM). Our goal here is to help ensure you have the knowledge and credentials needed to succeed in this rewarding field, and getting certified is the first step.

Before you can start the FFM certification process, you'll need to set up a CMS Enterprise Portal account. This portal will be your gateway to accessing the necessary training and resources for FFM certification each year.

It's a one time deal and it's a pretty quick process. Just make sure you save the log in info. somewhere safe. You don't want to be resetting the password every time you login, like you do with your email... Ya, I see you.

Step-by-Step Guide to Creating a CMS Enterprise Portal Account

• Visit the CMS Enterprise Portal Website: Navigate to the CMS Enterprise Portal (https://portal.cms.gov/portal/) and select the New User Registration option.
• Provide Personal Information: Enter your personal details, including your name, email address, and security questions.
• Create a Username and Password: Choose a unique username and a strong password that meets the CMS security requirements.
• Verify Your Email: Check your email for a verification link and follow the instructions to verify your account.

Once you have your CMS Enterprise Portal account set up, you're ready to request the FFM Agent Broker role. This role is necessary for accessing the Marketplace Learning Management System (MLMS) and completing your certification training.

Detailed Process of Requesting the FFM Agent Broker Role:

• Login to CMS Enterprise Portal: Use your newly created credentials to log in.
• Access Role Request Page: Navigate to the "My Access" page and select "Request Access Now."
• Select FFM/Training: Choose the appropriate role from the list, specifically the “FFM Agent Broker” role.
• Submit Your Request: Complete any additional information required and submit your request.

Once your identity is verified, the next step is to confirm and complete your MLMS (Marketplace Learning Management System) profile. This profile is used for accessing training modules and other resources necessary for your FFM certification.

Filling Out and Verifying Your MLMS Profile

• Access Your MLMS Profile: Log in to the CMS Enterprise Portal and navigate to the MLMS section.
• Complete Required Fields: Fill out all required fields accurately, including your personal and professional information.
• Verify Your Information: Double-check the entered information for accuracy and completeness to avoid any processing delays.
• Save and Submit: Save your completed profile and submit it for verification.

Don’t rush through creating your profile. A well-maintained profile reflects your professionalism and readiness to serve clients.

After completing your training and signing the necessary agreements, it’s crucial to verify your registration status to ensure you are officially certified.

Print Your Certificate and Confirm Registration

• Log in to MLMS: Use your credentials to access the MLMS.
• Navigate to Certification Section: Find the section where you can view your certification status.
• Print Your Certificate: Once you see that you have completed all requirements, print your certificate for your records.
• Check the FFM Registration Completion List: Verify that your name appears on the official list to confirm your certification status.

Ensure all training modules and agreements are completed and saved. If your name does not appear on the list, contact MLMS support for assistance.

Verifying your registration status is the final step to confirm your eligibility to sell ACA plans, ensuring you are fully prepared and recognized as a certified agent.

Getting FFM certified is just the beginning. To continue selling ACA plans, you need to maintain your certification by staying updated with annual requirements.

Annual Renewal Process and Updates

• Annual Training: Complete required annual training modules each year to stay current with ACA updates and regulations. Health Sherpa is one of several vendors offering CEUs in most states.
• Renew Agreements: Review and sign any updated agreements or attestations as part of the renewal process.
• Monitor CMS Communications: Stay informed about any changes or updates in certification requirements through CMS emails and notifications.

Becoming FFM certified is necessary for insurance agents looking to expand their portfolio and offer ACA health insurance plans.

This certification not only opens up new revenue streams but also enhances your credibility and trustworthiness among clients. By following the steps outlined in this guide, you can efficiently navigate the certification process, from setting up your CMS Enterprise account to completing training and maintaining your credentials.

Start your journey today and grow your insurance business with help from a an experienced FMO like PSM Brokerage. Our staff has decades of experience helping insurance agents like you build a winning portfolio and grow your business.

Helpful Resources:

• CMS Enterprise Portal Login: https://portal.cms.gov/portal/
• Health Insurance Marketplace Registration and training Step by Step Guide
• CMS Marketplace Resources: https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces
• NAHU Continuing Education: https://nabip.org/professional-development
• National Association of Insurance and Financial Advisors (NAIFA): https://www.naifa.org/