AR Code § 23-64-604 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 64 - Licensees, Agents, Brokers, Adjusters, and Consultants|Subchapter 6 - Arkansas Health Insurance Marketplace Navigator, Guide, and Certified Application Counselors Act|§ 23-64-604. Guide license required

 (a)  (1) A person shall not act as a guide in this state through a health insurance marketplace unless licensed under this subchapter as an eligible entity.  (2) A health insurer or an affiliate of a health insurer is not an eligible entity.    (b) A contract awarded to a guide is contingent on a person's:  (1) Being licensed under this subchapter;  (2) Becoming licensed under this subchapter by September 30, 2013, or within ninety (90) days after the receipt of funding; or  (3) Employing a licensee that meets the requirements in subdivision (b)(1) or subdivision (b)(2) of this section.    (c) A guide shall:  (1) Assist consumers in understanding the available qualified health plans offered through a health insurance marketplace, their differences, premium tax credits, cost-sharing provisions, and the public programs and their eligibility;  (2) Provide enrollment information in a culturally and linguistically appropriate manner that meets the needs of the population being served by a health insurance marketplace in this state, including those individuals with limited English proficiency or who are protected under section 504 of the Rehabilitation Act of 1973, 29 U.S.C. § 794 and Title II of the Americans with Disabilities Act of 1990, 42 U.S.C. §§ 12131-12165, as they existed on January 1, 2013;  (3) Ensure that information is provided in a way that simplifies choices and considers the individual needs of consumers;  (4) Maintain expertise in eligibility, enrollment, and public and private insurance specifications and conduct public education activities to raise awareness about the health insurance marketplace in this state;  (5) Provide information and services in a fair, accurate, and impartial manner that acknowledges other health programs;  (6) Increase awareness of insurance options in a way that does not stigmatize qualified health plans;  (7) Facilitate enrollment in qualified health plans or coverage offered through a health insurance marketplace and with post-enrollment dispute resolution;  (8) Provide referrals to an applicable office of health insurance consumer assistance or health insurance ombudsman established under section 2793 of the Public Health Service Act, 42 U.S.C. § 300gg et seq., as it existed on January 1, 2013, or any other appropriate state agency or agencies, for a consumer participating in enrollment with a grievance, complaint, or question regarding his or her health plan, coverage, or a determination under the plan or coverage;  (9) Not receive any financial consideration directly or indirectly from a health insurer or stop-loss insurance company or qualified health plan;  (10) Demonstrate that no conflict of interest exists in providing in-person assistance and the services as stated in 45 C.F.R. § 155.210; and  (11) Provide resources or avenues for consumers to register complaints and grievances with a service provided through the health insurance marketplace.