Migrating from EDE to ARC-AMPE

Navigating Health Insurance Enrollment:
DE and EDE Explained
 

What is the "Classic" Direct Enrollment (DE) Experience?

Direct Enrollment (DE) is a collaborative service that empowers approved health insurance carriers and third-party web-brokers to enroll individuals in Exchange health plans via their own websites. This process can be completed independently by the consumer or with the guidance of an agent or broker.

In what is known as the "Classic" DE model, the user journey starts on the website of the insurance issuer or online seller. From there, the consumer is securely transferred to HealthCare.gov to determine their eligibility for coverage. After the eligibility application is submitted, the consumer is automatically redirected back to the original site to browse available plans and complete the enrollment process.

What Makes Enhanced Direct Enrollment (EDE) Different?

EDE represents a significant advancement over the Classic DE pathway, offering a fully contained and user-friendly experience. EDE-approved partners can manage every aspect of the consumer's journey on their own websites, from the initial application and plan selection to post-enrollment support throughout the year.

Through EDE, authorized issuers and web-brokers host a version of the HealthCare.gov eligibility application on their own platforms. This is made possible by a secure, back-end integration using a suite of federal application programming interfaces (APIs). This technology facilitates a seamless flow of information for applications, enrollments, and ongoing customer service, all without leaving the partner's website.

Resource: CMS.gov >