Document consent
Create and store records showing that the consumer or authorized representative provided consent before assistance.
ACA Compliance Vault for licensed agents
ACA Consumer Consent and Eligibility Review Tools for Licensed Agents
Document ACA consumer consent, eligibility application review, Marketplace-related records, and supporting files in one secure vault built for licensed insurance agents.
Use Informed + Choice to collect consent records, document application review, store call recordings, upload historical files, and keep ACA records organized for retrieval when you need them.
Built for agents working with Federally-facilitated Marketplace and State-based Marketplace on the Federal Platform workflows.
ACA consumer consentEligibility application review10-year record storageCall recording storageMarketplace Plan FinderHistorical importsMultilingual formsExportable records
Built for licensed agents using their own Marketplace registration, approved workflows, disclosures, scripts, and agency procedures.
Consumer file
ACA record vault
Consent stored
Scope, purpose, duration, consumer, agent
Application review confirmed
Date reviewed, attestations, assisting agent
Call recording attached
Verbal confirmation or enrollment-related call
Marketplace files organized
PDFs, screenshots, notes, historical imports
Workflow focus
Consent + review + retrieval in one account
Why this exists
ACA agents need proof, not just paperwork
ACA agents do more than help consumers compare health plans. When you assist with Marketplace applications, plan changes, renewals, or enrollment updates, you may need to keep records showing that the consumer authorized your help and reviewed the eligibility application information before submission.
Those records should not be scattered across texts, emails, PDFs, desktop folders, phone recordings, and old CRM notes. The ACA Compliance Vault gives you one place to keep consent documentation, eligibility review records, call recordings, uploaded documents, Marketplace files, and historical records.
Document application review
Keep records showing that eligibility application information was reviewed and confirmed before submission.
Retrieve the record later
Find and export records for CMS requests, agency reviews, consumer complaints, AOR disputes, or internal compliance questions.
Consumer consent
ACA consumer consent documentation
Before assisting a Marketplace consumer, agents need a way to document the consumer's consent in a form that can be maintained and produced later.
Informed + Choice helps you create and store ACA consumer consent records in a secure agent-controlled vault. Use electronic forms, uploaded documents, recorded verbal confirmations, or other records created through your workflow.
Federal Marketplace rules require agents and brokers assisting through Federally-facilitated Exchanges to obtain and document consumer consent before assisting with enrollment or applying for advance premium tax credits or cost-sharing reductions. The regulation describes acceptable record-producing actions, including electronic signatures, audio-recorded verbal confirmations, and electronic responses.
Read 45 CFR 155.220.
Electronic ACA consent records
Consent forms sent by text or email
Recorded verbal confirmation storage
Uploaded consent documents
Consumer and agent details
Date of consent
Scope, purpose, and duration of consent
Rescission-process documentation
Storage with related Marketplace files
Record export
Eligibility application review records
Review confirmation by electronic signature
Recorded verbal review confirmation
Written or electronic response storage
Date reviewed
Consumer or authorized representative name
Assisting agent name
Attestation explanation record
Uploaded supporting files
Exportable documentation
Application review
Eligibility application review documentation
Consumer consent is only one part of the ACA record. Agents also need to document that the consumer or authorized representative reviewed and confirmed the accuracy of the eligibility application information before it was submitted.
The ACA Compliance Vault gives you a place to store eligibility application review records, including the date reviewed, the consumer or authorized representative name, the assisting agent, and documentation that the consumer reviewed the relevant application information and attestations.
Federal rules require documentation that eligibility application information was reviewed and confirmed as accurate before submission, and the documentation must include items such as the review date, consumer or authorized representative name, explanation of attestations, and assisting agent name.
Read 45 CFR 155.220.
One file
Keep consent and eligibility review in the same file
Consent shows that the consumer authorized your assistance. Eligibility application review shows that the consumer reviewed and confirmed the application information before submission.
The ACA Compliance Vault helps keep both records connected to the same workflow, along with call recordings, Marketplace files, plan comparison notes, uploaded documents, and historical records.
Start ACA Compliance Vault| Record type | What it helps document |
|---|---|
| Consumer consent | The consumer or authorized representative authorized the agent, broker, web-broker, or agency to assist. |
| Eligibility application review | The consumer or authorized representative reviewed and confirmed the accuracy of eligibility application information. |
| Call recording | A recorded verbal consent, review confirmation, or enrollment-related conversation. |
| Uploaded files | Supporting PDFs, screenshots, notices, forms, or historical records. |
| Marketplace files | Plan comparison, application, renewal, or enrollment-related documentation. |
Retention and retrieval
ACA record storage built for long-term retrieval
ACA records are not useful if you cannot find them later. The ACA Compliance Vault is designed to help agents maintain, organize, retrieve, and export consumer consent records, eligibility review documentation, call recordings, and supporting Marketplace files.
Use it as your independent record layer beside your existing Marketplace, EDE, agency, CRM, or quoting workflow.
Federal Marketplace rules require consumer consent documentation and eligibility application review documentation to be maintained for at least 10 years and produced upon request in response to monitoring, audit, and enforcement activities.
Read 45 CFR 155.220.
10-year record storage workflows
Searchable ACA records
Consumer-specific documentation
Call recordings and documents together
Historical file imports
Agent-controlled vault
Exportable records
Off-season record access
Recorded calls
Store ACA call recordings with the related consent record
Some ACA workflows happen by phone. When your workflow uses a recorded verbal confirmation, the recording should be easy to find later and connected to the related consumer record.
Pair the ACA Compliance Vault with Business Line + Vault to use a recorded business line for ACA agents for sales calls, consent conversations, eligibility review confirmations, renewal discussions, and enrollment-related calls.
Add Recorded Business Line Recorded business line for ACA agents
Automatic call recording
Call recordings stored in your vault
Recorded verbal consent storage
Recorded eligibility review confirmation
Records connected to consumer files
Export recordings and documents
Plan review support
Marketplace Plan Finder access inside your account
The vault is the foundation. Marketplace Plan Finder access gives you an additional workflow benefit when you need to compare plans.
Search Marketplace plans, compare options, and review provider and drug coverage from inside the same ACA agent account where you keep consent and eligibility review documentation.
Plan search
Search Marketplace plan options by household, location, income, and coverage needs.
Side-by-side comparison
Review plan premiums, deductibles, coverage levels, and cost-sharing details.
Provider and drug review
Check provider networks and drug coverage when plan review is part of your workflow.
Multilingual forms
Support consumers in their preferred language
When the consumer-facing form experience is easier to understand, the record is easier to complete.
Informed + Choice supports multilingual ACA consent and review form workflows so agents can send signer-facing forms in supported languages without rebuilding the workflow manually.
Platform dashboard available in English. Signer-facing form workflows support multiple languages.
View multilingual ACA consent and Medicare SOA formsSigner-facing ACA forms in supported languages
Useful for multilingual households
No agent translation work for supported forms
Medicare SOA and ACA form support in the same account
Records stored in the same vault
Historical imports
Bring older ACA records into one vault
Most agents already have ACA records stored in too many places. You may have older consent forms in email, eligibility review documentation in folders, call recordings in a phone system, PDFs in Google Drive, or Marketplace files inside an old CRM.
The ACA Compliance Vault helps you consolidate those records so they are easier to search, retrieve, and export.
Older consumer consent forms
Eligibility application review records
Call recordings
Uploaded PDFs
Screenshots and supporting files
Renewal records
Complaint or dispute records
Historical agency files
Agent-controlled records
Keep ACA records under your control
Agents often rely on multiple systems: Marketplace tools, EDE platforms, CRM software, agency systems, FMO resources, email, phone vendors, and file storage.
Those tools can be useful, but your long-term ACA documentation should not be trapped in a system you may stop using. Use your existing tools for quoting, enrollment, and client management. Use Informed + Choice to keep the record.
You can also use the same account as an agent compliance vault for Medicare and ACA records.
No CRM bloat
No FMO lock-in
Works with your existing Marketplace workflow
Medicare and ACA records in one account
Export records if your business changes
Keep access during the off-season
Pricing
Simple ACA compliance vault pricing
ACA Compliance Vault
$9.99/month
For agents who want electronic ACA consent records, eligibility application review documentation, secure storage, and historical record organization without a recorded business line.
- ACA consumer consent records
- Eligibility application review records
- 10-year record storage workflows
- Historical record imports
- Uploaded documents and PDFs
- Marketplace Plan Finder access
- Multilingual form workflows
- Medicare SOA storage if needed
- Record export
- Cancel any time
Business Line + Vault
$39.99/month
For agents who also want a dedicated recorded business line with automatic call recording for ACA and Medicare sales workflows.
- Dedicated recorded business line
- Automatic call recording
- Call recordings stored in your vault
- Recorded ACA consent conversations
- Recorded eligibility review confirmations
- Medicare telephone SOA and voice signature workflows
- Telephonic enrollment record storage
- Off-season downgrade option
Comparison
ACA Compliance Vault vs. scattered records
Generic file storage can hold documents. The ACA Compliance Vault is built around the records licensed agents need to create, capture, organize, and retrieve.
| Scattered records | ACA Compliance Vault |
|---|---|
| Consent forms in email | Consent records stored in one vault |
| Eligibility review notes in folders | Eligibility application review documentation organized by workflow |
| Call recordings in a phone system | Call recordings stored with related ACA files |
| PDFs spread across devices | Uploaded documents in one account |
| Hard to retrieve during a complaint or review | Search, retrieve, and export records |
| Tied to an old CRM or vendor | Agent-controlled and portable |
FAQ
ACA Compliance Vault FAQ
What is the ACA Compliance Vault? +
The ACA Compliance Vault is a recordkeeping workflow for licensed ACA agents. It helps agents document consumer consent, store eligibility application review records, organize call recordings, upload historical files, and retrieve ACA records when needed.
What is ACA consumer consent? +
ACA consumer consent is documentation showing that the consumer or authorized representative authorized the agent, broker, web-broker, or agency to assist with Marketplace-related activity.
What is eligibility application review? +
Eligibility application review is documentation showing that the consumer or authorized representative reviewed and confirmed the accuracy of eligibility application information before submission.
Can I document ACA consent electronically? +
Yes. Your workflow can use electronic signatures, electronic responses, uploaded records, or other record-producing actions. The vault gives you a place to store and retrieve those records.
Can I document consent or review by phone? +
Yes. Federal rules describe audio-recorded verbal confirmation as one example of acceptable documentation for consumer consent and eligibility application review, when the workflow otherwise meets applicable requirements.
How long should ACA consent and eligibility review records be stored? +
Federal Marketplace rules require these records to be maintained for a minimum of 10 years and produced upon request in response to monitoring, audit, and enforcement activities.
Does this work with my existing Marketplace or EDE workflow? +
Yes. The ACA Compliance Vault is designed to work beside your existing Marketplace, EDE, CRM, quoting, agency, or enrollment workflow.
Can I use this for Medicare records too? +
Yes. ACA workflows can run in the same account you use for Medicare SOAs, call recordings, telephone SOA records, and sales documents.
Can I upload old ACA records? +
Yes. You can upload historical consent records, eligibility review documentation, call recordings, PDFs, screenshots, and supporting Marketplace files.
Does this include a recorded business line? +
Vault Only does not include the recorded business line. If you want automatic call recording, choose Business Line + Vault.
Can I export my records? +
Yes. Your records should stay portable. You can export documents and recordings if your workflow changes.
Does this guarantee ACA compliance? +
No software can guarantee compliance by itself. The ACA Compliance Vault helps licensed agents create, store, retrieve, and export records. Agents remain responsible for following applicable Marketplace rules, state rules, privacy requirements, agency procedures, and their approved workflows.
For the underlying federal Marketplace recordkeeping language, see 45 CFR 155.220. Always follow current Marketplace rules, state rules, privacy requirements, agency procedures, and approved workflows.
Start with the record layer
Keep ACA consent, application review, and call records in one vault
Document consumer consent. Store eligibility application review records. Keep call recordings and supporting Marketplace files together. Retrieve and export the records when you need them.
Start with ACA Compliance Vault, or add a recorded business line when you want automatic call recording built into the workflow.