The Maine Navigator license
Navigator
Helps people through CoverME.gov without selling them anything. The one Maine certification with a training requirement in front of it, and the training belongs to the marketplace rather than to the Bureau.
Course
No count
A course is required and the regulator publishes no hour count for it.
Ways in
1
It requires the state exam.
Exam
Varies
Priced per paper. The prices are below.
Either combination paper is $80. Every other paper is $55.
Every way to qualify
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Route 1 Complete the marketplace training and pass the navigator examination
State exam required
The training the Marketplace sets
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A pre-licensing course in the initial and ongoing navigator training standards established by the Marketplace or otherwise required by the federal Affordable Care Act, taken through CoverME.gov
and the rest of what the superintendent must find
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At least 18 years of age, a completed disclosure form declared true under penalty of refusal, suspension or revocation, and any criminal history record check or regulatory background check required by rule
24-A M.R.S. 2188(4) makes certification the only alternative to a producer license: "An individual may not act in the capacity of a navigator unless the individual is either licensed as an insurance producer under chapter 16 or certified by the superintendent as a navigator under this section." 2188(3)(B) tells the superintendent to adopt rules establishing the certification program and "training requirements for all individual navigators and prospective individual navigators that include initial and continuing education requirements and an examination". Bureau of Insurance Rule 950 is that rule, effective 2020-09-22, and it hands both halves onward. Section 3(2): an applicant "must pass a navigator examination administered or approved by the Superintendent", and where the Marketplace gives its own examination the Superintendent may accept it or require a further paper limited to what the Marketplace's does not cover. Section 3(8): "As a condition of obtaining and maintaining certification, an individual must satisfactorily fulfill all initial and ongoing training standards established by the Marketplace or otherwise required by the Affordable Care Act and the regulations thereunder."So there is a training requirement and there is no hour count anywhere in Maine law or rule to attach to it, because Maine did not write one. The Bureau's own page sends producers and assisters to CoverME.gov to register and train, which is Maine's state-based marketplace and a different agency. Nothing is approved in advance, no register of navigator courses exists, and the Bureau's approved course machinery under subchapter 7 is about continuing education for producers and consultants rather than about this. Two more things bound the certification. It expires on the earlier of one year or the end of the grantee organization's grant performance period, under Rule 950 section 3(6), which makes it the shortest-lived thing the Bureau grants. And 2188(2) forbids the holder to sell, solicit or negotiate insurance, to recommend for or against a plan, or to enroll anybody, whether or not they also hold a producer license.
Read at legislature.maine.gov on 2026-08-19
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A course is required and nobody sells one
The training this certification requires is not for sale and cannot be. Rule 950 section 3(8) makes it "all initial and ongoing training standards established by the Marketplace or otherwise required by the Affordable Care Act", and Maine's marketplace is CoverME.gov, which registers and trains navigators itself. The Bureau approves no provider and keeps no register for it, and no national seller offers a Maine navigator product.