Ohio Code 3905.47 – Agent training programs
(A)(1) No agent shall sell, solicit, or negotiate insurance through an exchange, or enroll or offer to enroll a person in a health benefit plan offered through an exchange, on or after October 1, 2013, without first completing a training program either required by an exchange or approved by the superintendent of insurance in accordance with division (B) of this section.
Terms Used In Ohio Code 3905.47
- agent: means any person that, in order to sell, solicit, or negotiate insurance, is required to be licensed under the laws of this state, including limited lines insurance agents and surplus line brokers. See Ohio Code 3905.01
- Exchange: means a health benefit exchange established by the state government of Ohio or an exchange established by the United States department of health and human services in accordance with the "Patient Protection and Affordable Care Act" 124 Stat. See Ohio Code 3905.01
- Insurance: means any of the lines of authority set forth in Chapter 1739. See Ohio Code 3905.01
- Negotiate: means to confer directly with, or offer advice directly to, a purchaser or prospective purchaser of a particular contract of insurance with respect to the substantive benefits, terms, or conditions of the contract, provided the person that is conferring or offering advice either sells insurance or obtains insurance from insurers for purchasers. See Ohio Code 3905.01
- Person: means an individual or a business entity. See Ohio Code 3905.01
- Sell: means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurer. See Ohio Code 3905.01
- Solicit: means to attempt to sell insurance, or to ask or urge a person to apply for a particular kind of insurance from a particular insurer. See Ohio Code 3905.01
- superintendent of insurance: means the superintendent of insurance of this state. See Ohio Code 3905.01
(2) If an exchange does not require the completion of a training program pursuant to division (A)(1) of this section, the superintendent shall establish such a program.
(B) The superintendent shall approve courses to be used for compliance with division (A) of this section and shall approve courses established by an exchange, provided that the courses are in accordance with section 3905.484 of the Revised Code. Any course the superintendent approves shall consist of topics related to insurance offered within an exchange, including all of the following:
(1) The levels of coverage provided in an exchange;
(2) The eligibility requirements for individuals to purchase insurance through an exchange;
(3) The eligibility requirements for employers to make insurance available to their employees through a small business health options program;
(4) Individual eligibility requirements for medicaid;
(5) The use of enrollment forms used in an exchange;
(6) Any other topics as required by the superintendent.
(C) Agents that complete the training program required under division (A) of this section shall receive continuing education course credit under sections 3905.481 to 3905.486 of the Revised Code. All such credit shall count toward satisfying the continuing education requirement in section 3905.481 of the Revised Code.