Are we recommending that CMS take action?

We do have recommendations for CMS and are recommending that they take more action to assure that unauthorized changes are not being made.

Some of that would require more verification of the individual's consent.

It could be a one-time pass code that the individual is sent to assure that they're aware of changes an agent is making, and also to limit the availability of information to agents and brokers only to those agents that are directly involved with a consumer's enrollment as a primary agent or broker.

What's the bottom line of this report?

Yeah, certainly for the twenty-three million Americans that have been enrolled in marketplace plans, most are relying on agents or brokers to help them in making their enrollments and plan decisions.

But unfortunately, we've seen thousands of cases where there were fraudulent or unauthorized changes made, and so we're recommending CMS take further steps to try to prevent those unauthorized changes to ensure that individuals are getting the health plan coverage that they consent to.