Georgia Navigator Practice Exam

Which individual is not allowed to become a navigator under the ACA regulations?

1. Anyone receiving compensation from a health insurer

2. Volunteers with relevant experience

3. Non-profit organization staff

4. Community health workers

The correct answer is: Anyone receiving compensation from a health insurer

The correct choice is that individuals receiving compensation from a health insurer are not allowed to become navigators under the ACA regulations. This restriction is in place to maintain a level of impartiality and trust in the navigator program. Navigators are intended to provide unbiased assistance to individuals seeking information about health insurance options, including the Health Insurance Marketplace. If navigators were compensated by health insurers, there could be a conflict of interest, as their recommendations might lean towards promoting certain insurance products rather than presenting a genuinely objective viewpoint. This could undermine the goal of helping consumers make informed choices based on their individual needs rather than the financial interests of insurance companies. In contrast, volunteers with relevant experience, staff from non-profit organizations, and community health workers are encouraged to serve as navigators. Their roles often involve facilitating access to care and education, and they typically come from backgrounds that prioritize community service, making them well-suited to assist individuals in navigating health insurance options.