Maine § 24-A §2188 Permitted activities of insurance producers; navigators; requirements

Maine Statutes

§ 24-A §2188 — Permitted activities of insurance producers; navigators; requirements

Maine § 24-A §2188

Title 24-AMAINE INSURANCE CODE

Ch. 23TRADE PRACTICES AND FRAUDS

This text of Maine § 24-A §2188 (Permitted activities of insurance producers; navigators; requirements) is published on Counsel Stack Legal Research, covering Maine primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Me. Rev. Stat. tit. 24-A, § 24-A §2188 (2026).

Text

1.Definitions. As used in this section, unless the context otherwise indicates, the following terms have the following meanings.

2.Prohibited activities. Certification as a navigator under this section does not authorize a person who is not licensed as an insurance producer or consultant in this State in accordance with chapter 16 to act as an insurance producer or consultant. Regardless of whether a navigator certified under this section is also licensed as an insurance producer or consultant in this State in accordance with chapter 16, a navigator may not, while acting as a navigator for an individual, enrollee, potential enrollee or employer:

3.Certification of navigators. Prior to any exchange becoming operational in this State, the superintendent shall:

4.Navigator requirements. A

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1.
Definitions.
As used in this section, unless the context otherwise indicates, the following terms have the following meanings.
2.
Prohibited activities.
Certification as a navigator under this section does not authorize a person who is not licensed as an insurance producer or consultant in this State in accordance with chapter 16 to act as an insurance producer or consultant. Regardless of whether a navigator certified under this section is also licensed as an insurance producer or consultant in this State in accordance with chapter 16, a navigator may not, while acting as a navigator for an individual, enrollee, potential enrollee or employer:
3.
Certification of navigators.
Prior to any exchange becoming operational in this State, the superintendent shall:
4.
Navigator requirements.
An individual may not act in the capacity of a navigator unless the individual is either licensed as an insurance producer under chapter 16 or certified by the superintendent as a navigator under this section. To be certified as a navigator, an individual must:
5.
Unfair practices.
The provisions of this chapter and any rules adopted pursuant to this chapter apply to navigators. This subsection may not be construed to create or imply a private cause of action for a violation of any provision of this chapter.
5-A.
Privacy.
A navigator may not collect, use, disclose or retain personal information, as defined in section 2204, subsection 20, except for the purposes of performing the duties of a navigator or as permitted by an exchange under privacy standards adopted in accordance with the federal Affordable Care Act. A navigator is a regulated insurance entity for purposes of chapter 24 only if the navigator collects, uses, discloses or retains personal information for purposes other than performing the duties of a navigator.
6.
Denial, suspension or revocation.
The superintendent may deny certification and may suspend or revoke the authority of a navigator certified pursuant to this section for any ground specified in section 1420‑K, subsection 1. The superintendent may assess civil penalties in accordance with section 12‑A for violations of laws regulating the activities of navigators.
7.
Rules.
The superintendent may adopt rules as necessary to implement this section. Rules adopted pursuant to this subsection are routine technical rules as defined in Title 5, chapter 375, subchapter 2‑A.
8.
Construction.
This section may not be construed to prevent the application of any provisions of the federal Affordable Care Act relating to the duties of a navigator.