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 consent and review workflows are included in Essentials, with online signup and a 30-day free trial, then $29.99/month. Card required at checkout; one trial per NPN. Agency agreements are scoped separately.
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
For agencies and broker networks
Need ACA consent links across a downline?
Agencies, FMOs, IMOs, brokerages, and larger broker networks can use the agency ACA consent platform for personal agent links, QR codes, dashboard visibility, rollout support, and volume pricing.
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.
New Marketplace operations guide
Work ACA data-matching issues as tracked records, not one-time uploads
The ACA Marketplace data-matching issues guide for agents explains how to read the notice, separate a data-matching issue from SEP verification, organize requested documents, preserve upload proof, and follow the Marketplace review through a documented outcome.
ACA Compliance Vault can keep the notice, supporting files, upload evidence, notes, and final outcome connected to the client record. The Marketplace determines eligibility and whether evidence resolves the issue; the Vault supports agent-controlled recordkeeping and follow-up.
Record sequence
Consent before assistance. Review before submission.
ACA recordkeeping is easier to defend when the sequence is clear. The consent record shows the consumer authorized assistance first. The application review record shows the consumer reviewed and confirmed the information before submission.
1
Consent before assistance
Before Marketplace assistance, person search, application help, enrollment facilitation, or updates, document the consumer or authorized representative consent through a record-producing action.
2
Review before submission
Before submitting a new application, update, or change, document that the consumer or authorized representative reviewed and confirmed the eligibility application information and relevant attestations.
CMS FAQ guidance explains that acceptable documentation may include a signed document, audio-recorded verbal confirmation, written or electronic response, or another satisfactory method that creates a record the agent can maintain and produce. CMS also states that consumer consent and eligibility application review documentation must be maintained for at least 10 years and produced to CMS on request in response to monitoring, audit, and enforcement activities.
Read the CMS consumer consent FAQ.
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.
Preparing for the next rule cycle? Use the 2027 ACA Marketplace final rule checklist for agents to review marketing claims, SEP and income verification, APTC reconciliation, annual training, and the HHS consent form timeline.
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 your 30-day free trial| 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.
Supported ACA records use retention-oriented Object Lock storage with versioning, SSE-KMS encryption, artifact hashes, and audit events, so consent records, review files, uploads, and related recordings are protected from ordinary alteration or deletion during the retention period.
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. See the ACA consent recordkeeping guide.
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.
Phone service for ACA agents and agencies brings individual business calling into Essentials, with incoming cell backup, permitted recording and telephone history. Agencies can work with our team to configure shared-number ZIP routing separately.
See Agent Workspace 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
AOR and unauthorized changes
Build an ACA file that can help answer AOR and unauthorized-change questions
ACA agents need more than a confirmation number. If a consumer later questions who assisted them, whether consent was given, whether application information was reviewed, or whether an update was authorized, the agent needs a retrievable record.
The product does not prevent every AOR dispute, but it helps agents keep the records needed to explain what happened.
Start your 30-day free trialACA Compliance Vault helps keep the key records together
Consumer consent before assistance
Scope, purpose, and duration of consent
Date consent was given
Consumer or authorized representative name
Agent, broker, web-broker, or agency name
Rescission process
Eligibility application review confirmation before submission
Recorded verbal confirmation, if used
Marketplace files, screenshots, notes, and supporting documents
Exportable file for CMS, agency, carrier, or internal review
Secondary workflow support
Marketplace Plan Finder access when plan review is part of the file
The vault is the foundation. Marketplace Plan Finder access is a secondary workflow benefit for agents who want plan review support in the same account.
Use your approved Marketplace and enrollment workflow. When you also use plan review tools, keep the resulting notes and supporting files connected to the consent and eligibility review record.
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.
Individual agents can sign up for Essentials online. Agency-sponsored forms use a separate contracted onboarding path.
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
Access
Choose the ACA access path that fits your organization
Individual agents can start a 30-day free trial of Essentials, then pay $29.99/month. Agencies, FMOs, and broker networks can discuss contracted electronic-form access for their participating agents.
Essentials
$29.99/month after trial
30-day free trial. Card required at checkout. One trial per NPN.
For agents who want ACA records connected with CRM, quoting workflows, websites, events, Annual Review, and other approved workspace tools.
Includes:
- ACA consumer consent records
- Eligibility application review records
- 10-year record storage workflows
- Historical record imports
- Uploaded documents and PDFs
- Marketplace Plan Finder access, if enabled for your workflow
- Multilingual form workflows
- Medicare SOA storage if needed
- Record export
- Cancel any time
Agency electronic forms
Agencies, FMOs, and broker networks can provide contracted ACA consent and review workflows to participating agents without sending those agents through public retail checkout.
Contact Us About Agency AccessComparison
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 |
If open enrollment has slowed down and you mainly need continued access to stored consent records, eligibility review files, uploaded documents, and historical ACA records, review off-season ACA record storage.
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.
How are ACA vault records protected? +
Supported ACA vault records use access-controlled S3 vault buckets with Object Lock Governance retention, versioning, SSE-KMS encryption, SHA-256 artifact hashes, and CloudTrail audit events. Runtime application roles do not have retention-bypass permission.
Does this include a recorded business line? +
Yes. Essentials includes an included business number with incoming cell backup, inbound and outbound calling, and permitted call recording. Use only the phone or the rest of Essentials at the same price and through the same signup.
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 your Essentials trial for an individual workflow, or contact us about agency access. Calling is included in Essentials; use the same Essentials signup even if you only need the phone.