Information reflects available records as of October 22, 2026.
To verify insurance agent credentials and confirm who filed an ACA Marketplace application, review the enrollment record before federal Open Enrollment begins November 1. CMS canceled approximately 315,000 Marketplace enrollments covering more than 760,000 people on August 31, 2026, after determining the enrollments were unauthorized. CMS announced the action on September 22 and estimated it could recover about $2.2 billion in advance premium tax credits (APTC).
For people buying coverage on their own, the immediate task is to confirm that the current policy is active, that its application reflects their choices, and that any agent listed was authorized. The 2027 federal Marketplace Open Enrollment period runs November 1 through December 15.
CMS REVIEW: WHAT THE CANCELLATIONS MEAN
In its September fact sheet, CMS describes the August cancellations as confirmed unauthorized enrollments. The agency and insurers had reviewed applications with four combined warning signs. Insurers were instructed to contact affected consumers through at least two methods and allow 30 days for a response. People who did not respond were disenrolled.
The indicators were screening signals, not individual proof of wrongdoing. A person who did not use their insurance during the year, missed an insurer letter, or did not answer calls from unfamiliar numbers could have appeared to meet the criteria. A child covered through an adult’s application may also lack a Social Security number in the record.
According to reporting from KFF Health News, CMS has reinstated a small number of people whose coverage should not have been canceled. A second review is examining approximately 419,000 additional sign-ups. Insurers are expected to report non-responses to CMS around mid-to-late November.
That timing matters. The second-phase response period falls during Open Enrollment. A person who overlooks insurer outreach could discover a coverage problem while trying to renew or select a 2027 plan.
The action concerns federal Marketplace coverage through HealthCare.gov. It does not include the 21 states operating their own fully state-based marketplaces. CNBC’s report says the review also includes checks on residency and income for the additional group. The report notes that overall ACA enrollment had fallen by nearly 3 million in 2026 after enhanced subsidies expired.
TEN-MINUTE ENROLLMENT AUDIT BEFORE NOVEMBER 1
Use the following steps to review the available application and policy records. Keep a note of any mismatch or unanswered question.
- Sign in to HealthCare.gov. Open the existing account; check the application and coverage status. Do not create a second account if login details are forgotten.
- Review the application record. Confirm the people listed, the application information, and whether any agent or broker is named. If an agent appears whom you do not recognize or did not authorize, contact the Marketplace.
- Confirm the policy with the insurer. Use the number on the insurance card or a recent official statement. Ask whether the policy is active and confirm the plan name, effective dates, monthly premium, and payment status.
- Check all insurer messages. Return calls when possible and open mail or secure messages from the insurer. The earlier review gave consumers 30 days to respond. The deadline for a specific notice may differ; follow the date stated in that notice.
- Look for application and tax notices. Review Marketplace and IRS correspondence about the 2026 application, including any Form 1095-A. Compare the listed household and coverage information with what was actually chosen.
If the account or insurer shows a cancellation that appears incorrect, call the Marketplace Call Center at 1-800-318-2596 (TTY 1-855-889-4325). The HealthCare.gov contact page lists the numbers and notes that the Call Center is available 24 hours a day, seven days a week, except holidays. Explain that coverage may have been canceled in error, provide the missing Social Security number or requested documents, and ask whether an expedited review is available. Keep copies of documents and a record of the call.
WHO FILED THE APPLICATION?
An unauthorized enrollment can mean coverage was selected or changed without the consumer’s informed approval. It may also mean the application included household or income details the consumer did not provide. If APTC was paid based on incorrect information, the consumer may need to reconcile the credit when filing federal taxes. Tax liability depends on the circumstances and applicable rules; a questionable enrollment does not by itself establish what will be owed.
Check whether the 2026 Marketplace application matches the coverage actually chosen. Review any notices from the Marketplace, insurer, or IRS. If the coverage, agent name, household details, or estimated income does not match, contact the Marketplace and insurer and retain written records of the response.
VERIFY INSURANCE AGENT CREDENTIALS
CMS says new safeguards are planned for the 2027 federal Marketplace. The agency has announced a temporary moratorium on new 2027 agent and broker registrations for people without an active 2026 Exchange Agreement. CMS also says agents must re-verify identity and obtain electronic consumer authorization before acting on an application or enrollment. The authorization may involve a one-time code sent by text or email. The code confirms permission; it does not replace checking the agent’s state license.
Before sharing sensitive information or approving an application:
- Ask the agent for their National Producer Number (NPN).
- Search the NPN with the state insurance department or through the National Insurance Producer Registry (NIPR).
- Confirm that the license is active in your state and includes health insurance authority.
- Check whether the agent holds an active 2027 Exchange registration if they will assist with a federal Marketplace application.
- Review and approve the electronic authorization yourself. Do not share a code with someone whose identity has not been confirmed.
VerifiedAgent directory profiles can show a professional’s name as filed, NPN, recorded license categories, and other available profile details. For example, the directory lists Texas license records on the profiles for Deborah Ann Dreyfuss, NPN 11639625 and Andrew Michael Schiraldi, NPN 20867632. A directory profile is not proof of current licensure, carrier appointments, or available products. Confirm current license status with the relevant state insurance department.
Treat the following as reasons to pause and verify before proceeding: an agent asks for a Social Security number before providing an identity or NPN to check; asks that documents not be read; or presents a $0 premium as a reason to enroll without reviewing the plan, eligibility details, and subsidy information. A $0 premium can result from subsidy calculations, but the premium alone does not confirm that the application is correct or authorized.
QUESTIONS TO ASK BEFORE SIGNING
Record the answers before submitting or approving an application:
- What is your NPN, and where can the license be checked?
- Do you hold an active 2027 Exchange registration?
- Do the plan’s provider network and prescription coverage include my doctors and medications?
- What is the total 2027 premium, and how much of it is covered by an estimated subsidy?
- Are you compensated differently for particular plans?
Plan availability, premiums, provider networks, and agent status can change. Confirm the final plan details in the official application and insurer documents before enrollment.
2027 OPEN ENROLLMENT AND COVERAGE OPTIONS
Federal Marketplace Open Enrollment for 2027 coverage is scheduled for November 1 through December 15. The shorter period makes it important to resolve account and coverage discrepancies promptly rather than waiting until the application deadline.
For a state-specific directory, find your state’s page. The cancellation review applies to federal Marketplace states, including Texas and Florida; residents of state-based marketplaces should follow their marketplace’s notices and instructions.
If coverage was legitimately canceled or 2027 ACA or Marketplace coverage is needed, including for a household with ongoing health needs or possible subsidy eligibility, GetACA{:rel="sponsored"} provides enrollment information.
Available records can help identify an application or agent record that needs attention, but they do not replace confirmation from HealthCare.gov, the insurer, or the state insurance department. Current coverage status, license status, and plan terms should be independently confirmed.