"Agents and brokers will be able to assist consumers either through an insurer-based pathway, in which the agent or broker uses an insurer's website to assist consumers, or directly through the exchange website.... Web brokers are potentially problematic because they resemble and may be seen as a substitute for the exchange website itself. ... Unlike traditional brokers and agents, web brokers must display all QHPs, regardless of appointment or compensation arrangements. If a consumer wishes to enroll in a plan for which the web broker does not have an appointment, the web broker must direct the consumer to the exchange website for enrollment."  MORE >>