New CMS requirements make agents, brokers and web-brokers responsible for documenting consumer consent and reviewing application accuracy.
Explicit verbal/written consent now required before:
Submitting an application
Making plan changes
Updating client information
Must document:
Consent method (phone, email, in-person)
Date/time of consent
Specific plan information discussed
Consent now covers:
Initial enrollment
Plan changes
Automatic renewal decisions
Third-party data sharing
Feature
Update Description
Application Flow
New consent verification step added
CRM Tools
Automated consent documentation tracking
Client Portal
Digital signature capability enhanced
Compliance Reports
New consent audit reports available
Obtain Consent
Use JET Insure's approved scripts or forms
Document via:
Phone recording (with disclosure)
Digital signature
Signed paper form (upload to portal)
Verify in System
New mandatory consent checkbox in application flow
Required fields for consent details
Maintain Records
All consent documentation stored for:
10 years (federal requirement)
State-specific retention periods
Complete full consent process before submission
Use JET Insure's built-in consent forms
Existing consent doesn't carry forward
New consent required for each plan year
Re-establish consent if:
Changing metal tiers
Adding/removing family members
Switching carriers
Potential outcomes for violations:
Application rejection by CMS
Commission clawbacks
License disciplinary actions
Termination from JET Insure platform
Download CMS Official Guidelines
FFM English Template
FFM Spanish template
Georgia Access English template
Georgia Access Spanish template