Marketing Rules: The Lines That End Agreements

CMS codified the marketing lines for the federal Marketplace — and agents get terminated for crossing them. Clean marketing is not caution; it’s survival.

Banned Practices (No Gray Area)

• No cash or cash-equivalent inducements to enroll.
• No false "$0 premium" claims — or any savings/premium promise the enrollment system hasn’t produced.
• No misrepresenting enrollment timelines or deadlines to pressure a signature.
• No enrolling, switching, or attaching yourself to an application without the consumer’s authorization.

Coming: The Standardized Form

Agents, brokers, and web-brokers will be required to use a standardized form for eligibility application review and consumer consent documentation (effective 2028). Build your process around it now: consistent consent language, retained records, documented revocation path.

My Rules On Every Post

• Real me on camera; education first; book the call instead of quoting numbers in comments.
• Never collect SSN, DOB, or bank details in messages — route to a call.
• STOP is honored instantly, everywhere, forever.