Agent Rules & Guidance for 2027

CMS tightened the rules for Plan Year 2027 — and agents who run clean will win. This hub tracks what changed, what to verify, and how I run my book in Florida, Texas, Arizona, Ohio, Michigan, Iowa, North Carolina, Oklahoma, Missouri, South Carolina, Tennessee, Kansas, Louisiana, Maryland, Mississippi, Virginia.

Start Here: The 2027 Rule Changes

• Consumer Authorization — electronic authorization before you touch an application.
• Identity Verification — every existing agent re-proofs through Login.gov or ID.me.
• Registration Moratorium — new-agent registration paused through February 1, 2027.
• Contact Verification — confirm every client’s mobile and email before system changes lock you out.
• 2027 Subsidy Changes — enhanced credits ended; quote against the new math.
• Marketing Rules — banned practices and the standardized consent form coming in 2028.
• SEP Verification — proof before coverage for 75% of life-event enrollments.
• Enrollment Cancellations — how clean agents protect clients in the sweep.
• Catastrophic Plans — 10-year terms and expanded hardship access.
• Tax Credit Eligibility — who still qualifies from 2027.
• AOR Protection — paperwork that holds your book.
• New-Client Welcome — the day-one text that cuts cancellations.

Why This Matters Now

In September 2026, CMS announced an interim final rule under its three-prong anti-fraud strategy: prevent fraudulent enrollments, remove improper ones, and strengthen oversight. Roughly 315,000 enrollments covering about 760,000 people were cancelled as unauthorized, and more than 200 agents and brokers received termination notices. The agents still standing will be the ones with clean consent files, verified client data, and documentation that holds up.

How I Work

Consent first, numbers documented, clients informed up front. Every new client of mine gets their policy information in writing the day we close, because informed clients stay. If you’re an agent building the same way, this hub is for you.

Updated October 2026. Summaries of CMS public announcements for working guidance only — confirm details in the CMS Federal Marketplace anti-fraud fact sheet and your carrier bulletins.