11/24/2025
🌟 What’s the Difference Between an ACA Navigator and an Insurance Broker? And Why Should You Choose a Navigator? 🌟
When it comes to ACA Marketplace coverage, it can feel overwhelming to sort through all the plans, networks, and rules. That’s why MATCH has certified ACA Navigators—and we want our community to know what makes this free service so special.
🧭 What Navigators Do (Always FREE):
• ✔️ Provide unbiased, conflict-free guidance
• ✔️ Help you compare plans based on your doctors, medications, hospitals, and needs
• ✔️ Explain financial help like APTCs and cost-sharing reductions
• ✔️ Assist with Marketplace applications, eligibility issues, appeals, and exemptions
• ✔️ Support with Medicaid, Medicare transitions, and coverage loss
• ✔️ Help troubleshoot billing, Medicaid terminations, renewal issues, and document uploads
• ✔️ Provide trauma-informed, community-based help—no sales, no pressure, ever
Navigators are certified, trained, and part of federal and state programs created to protect consumers—especially in rural communities like ours.
💼 What Brokers Do:
Many brokers are wonderful resources, but it’s important to know:
• 🏢 Brokers sell insurance and may only represent certain carriers
• 💰 They may receive commissions, bonuses, or incentives from insurance companies
• 🔄 They may not show every available Marketplace plan
• 🧾 Their advice may be guided by which plans they can sell—not always what’s best for you
There is absolutely nothing wrong with using a broker—many are great. But their role is different from a Navigator’s.
💙 Why Choose a Navigator?
• 💸 100% free
• 📚 Certified, trained, and accountable to federal consumer-protection standards
• 🧩 We look at the whole picture: income, networks, doctors, medications, local providers, and community resources
• 🌍 Deep knowledge of our rural area, local health systems, and what’s realistically accessible for our neighbors
• 🫶 Our only job is to help you get covered—no commissions, no sales, no conflict of interest
At MATCH, we believe everyone in McDowell County deserves simple, fair, and compassionate help navigating health coverage. If you need assistance, we’re here for you.
📞 828-659-5289
📍 In-person, phone, and Zoom appointments available
💻 Open Enrollment is NOW—don’t wait to get the support you deserve