Which statement best describes Classic DE?

• A. A process where consumers fill out forms on HealthCare.gov only.
• B. A process where agents work only on the issuer's site.
• C. A process limited to broker portals without online access.
• D. A process where agents visit both a DE partner's site and HealthCare.gov while completing the application.

Answer: (D)

Classic Direct Enrollment describes an agent-assisted workflow where the agent uses a DE partner site to gather and input the applicant’s information, then continues the application on HealthCare.gov to finish and submit. This cross-site process is what allows the consumer to start or advance the application with the agent’s help while ensuring the Marketplace submission happens through HealthCare.gov. The other scenarios omit part of this real-time, two-site flow: completing forms only on HealthCare.gov lacks the DE partner involvement; having agents work only on the issuer’s site excludes the HealthCare.gov submission step; and broker portals without online access would not support the necessary online enrollment workflow. Thus, the two-site, agent-assisted completion on both the DE partner site and HealthCare.gov best describes Classic Direct Enrollment.