These entries answer "what is X" in broker language. Each term links to related field notes when you need a full workflow article. For federal statutes and CFR citations cited in field notes, see the legal terms glossary. For calculation methodology, see QualityQuotes methodology.
Actuarial value is the share of expected medical costs a metal plan covers on average. How AV differs from deductible and why Silver CSR changes the math.
AEP is the fall enrollment window when ACA brokers renew books and run the highest quote volume of the year. Dates, workflow, and compliance reminders.
APTC is the monthly subsidy that lowers Marketplace premiums for eligible households. How it is calculated, who qualifies, and how brokers quote it.
CSR lowers deductibles and copays on Silver Marketplace plans for households between 100 and 250 percent FPL. How it differs from APTC.
EDE lets certified web brokers enroll clients on the federal Marketplace without redirecting to Healthcare.gov. Certification requirements and broker workflow.
EHBs are the ten benefit categories ACA Marketplace plans must cover. What brokers should verify beyond the metal tier label.
FPL is the HHS income benchmark that drives ACA subsidy eligibility, CSR tiers, and Medicaid thresholds. Updated annually.
An HRA is an employer funded account that reimburses employees for medical expenses. How HRAs interact with ACA Marketplace subsidies.
ICHRA lets employers reimburse employees for individual ACA premiums. Affordability test, broker commissions, and small group workflow.
MAGI is the income measure ACA Marketplace eligibility uses for APTC, CSR, and Medicaid comparisons. What counts and what brokers should verify at intake.
ACA metal tiers group Marketplace plans by actuarial value. Bronze, Silver, Gold, and Platinum explained for broker quoting workflow.
MLR rules require ACA insurers to spend a minimum share of premiums on medical claims or issue rebates. What brokers should know when clients ask.
The NPN is the NAIC identifier for licensed insurance producers. How ACA brokers use it for Marketplace registration and AOR.
OEP is the annual window when anyone can enroll in ACA Marketplace coverage without a qualifying life event. Federal dates and state exceptions.
QSEHRA lets businesses with fewer than 50 employees reimburse individual premiums. Eligibility rules and APTC interaction for brokers.
The SBC is the standardized ACA plan comparison document. How brokers use it in client conversations and compliance files.
A SEP is the 60 day window after a qualifying life event when clients can enroll in or change ACA Marketplace coverage outside Open Enrollment.
SLCSP is the IRS benchmark Silver plan used to calculate APTC on Form 8962. Definition, calculation steps, and broker workflow.
