About NABIP 

NABIP represents more than 100,000 health insurance agents, brokers, consultants, and employee benefits professionals who help individuals, families, employers, and Medicare beneficiaries navigate their coverage options.

Our Government Affairs team works alongside NABIP members to ensure the experience and expertise of benefits and insurance professionals are heard at every level of government. Together, we:

• Educate Congress and federal agencies about the value of agents and brokers.
• Advance responsible private-sector solutions that expand access to affordable, high-quality healthcare and coverage.
• Advocate for policies that protect consumers, employers, and the professionals who serve them.
• Mobilize NABIP members to build relationships with lawmakers and share how federal policies affect their clients and communities.

NABIP Advocacy In Action

NABIP brings the real-world experience of benefits and insurance professionals directly to lawmakers and regulators. Through testimony, congressional outreach, regulatory engagement, and member advocacy, we’ve helped shape policies that protect consumers, preserve access to professional guidance, and strengthen the private health insurance market.

Our advocacy work and accomplishments include:

• Securing the elimination of the 48-hour Scope of Appointment waiting period, allowing Medicare beneficiaries to speak with an agent as soon as they’re ready to discuss their coverage options.
• Securing greater flexibility for Medicare educational and marketing events, including the ability to collect Scope of Appointment forms at educational events.
• Improving the timing of the required TPMO disclaimer so agents can complete initial eligibility and demographic questions before providing the disclosure.
• Reducing the Medicare call-recording retention requirement from 10 years to six years, lowering administrative burdens, storage costs, and data-security risks.
• Helping secure important consumer-protection provisions in the 2027 ACA Marketplace Final Rule, including stronger safeguards against unauthorized enrollments, continued access to essential community providers, and greater state oversight of network adequacy.
• Working with Senators Mike Rounds and Catherine Cortez Masto to introduce the bipartisan Patients Deserve Price Tags Act, which would strengthen healthcare price transparency for consumers, employers, and plan sponsors.
• Helping stop proposed federal limits on Medicare agent compensation from advancing in House legislation.
• Bringing concerns about carrier steering practices directly to Congress, including zero-commission Medicare Advantage plans, midyear compensation changes, and the removal of plans from agent distribution channels.
• Testifying before the Office of Management and Budget to protect group broker access to fixed indemnity coverage.
• Identifying and reporting a vulnerability involving Social Security numbers and personally identifiable information to CMS to help protect consumers.
• Helping secure a congressional letter signed by six members of Congress urging CMS to distinguish independent agents and brokers from third-party marketing organizations.
• Testifying before the IRS in support of recognizing direct primary care arrangements as qualified medical expenses under Section 213(d).
• Securing a favorable CMS interpretation of field marketing organization compensation in the 2024 Medicare Advantage Final Rule.
• Securing CMS protections for agent and broker compensation during individual-market Open Enrollment and Special Enrollment periods.
• Helping repeal the ACA health insurance tax and Cadillac tax.
• Helping repeal the $2,000 deductible cap.
• Supporting the restoration of the Medicare Advantage Open Enrollment Period through the 21st Century Cures Act.
• Securing the inclusion of a tax provision for long-term care insurance policies in 2022.
• Helping include long-term care partnership provisions in the Deficit Reduction Act of 2005.
• Advocating during the development of the Medicare Modernization Act of 2003.
• Leading efforts to identify and address problems with the Medicare Plan Finder.
• Leading bipartisan, bicameral efforts to remove independent agent and broker compensation from the medical loss ratio calculation.
• Serving on the HIPAA steering committee that helped develop a web-based, 50-state compliance tool.

Member Advocacy in Action

Bringing NABIP's Voice to Policymakers Nationwide 

NABIP members are at the heart of our advocacy efforts. They meet with members of Congress and congressional staff in Washington, D.C., during Capitol Conference, and back home in their districts and states. They also participate in regulatory meetings, provide testimony, respond to action alerts, and share their professional expertise with the agencies shaping healthcare policy.

That engagement extends well beyond Washington. NABIP members build and maintain important relationships with state legislators, insurance commissioners and department officials, governors’ offices, and other healthcare leaders in their communities. These connections help policymakers at every level understand how proposed policies will affect consumers, employers, and the benefits and insurance professionals who serve them.

By sharing their experiences, client stories, and firsthand knowledge of the market, our members turn NABIP’s policy priorities into real-world conversations. Every meeting, email, phone call, public comment, and ongoing relationship strengthens our collective voice and helps move better healthcare policy forward.

NABIP's Annual Capitol Conference

You Belong in the Conversation

Each year, NABIP members from across the country come together in Washington, D.C., to learn about our federal priorities, hear directly from policymakers and industry leaders, and bring our message to Capitol Hill. It’s an opportunity to strengthen your advocacy skills, build relationships with legislators and congressional staff, and ensure the voice of benefits and insurance professionals is heard.