What is the primary function of "navigators" in the health insurance marketplace?

Navigators play a critical role in the health insurance marketplace primarily by assisting consumers in understanding their health insurance options. Their main function is to provide education and guidance about the various health plans available, helping individuals and families make informed decisions based on their specific needs and circumstances. This support includes helping consumers to navigate the complexities of enrollment, eligibility for subsidies, and understanding the benefits and coverage of the available plans.

By effectively doing this, navigators help ensure that more individuals can access the healthcare they need and that they are aware of the options available to them, ultimately contributing to greater participation in health insurance programs. This role does not involve processing claims, managing enrollment in government programs, or providing financial advice on premiums, which pertain to other aspects of the healthcare system.