Discontinuation of NPN Override Usage

An Important Update Regarding the Use of NPN Override

As part of UnitedHealthcare's ongoing commitment to compliance and clarity, they are refining their approach to National Producer Number (NPN) override usage, which refers to agents or solicitors submitting Marketplace applications using another agent’s or principal’s NPN. Beginning September 1, 2025, all agents will be required to use their own assigned NPN for all UnitedHealthcare Individual & Family Plan enrollments. This update will be reflected in 2026 contract amendments to contracted agencies and agents.

Why this matters

The use of NPN override has created challenges in tracking agent activity, managing complaints, and maintaining oversight. This refined approach is designed to enhance visibility, streamline reporting, and reinforce compliance—while continuing to support the success of valued agencies, agents, and solicitors.

What you should know

• Improved reporting: NPNs will now be reflected on enrollments, enabling more accurate performance tracking at both the agency and agent/solicitor levels.
• Book of business visibility: Agents/solicitors will be listed as the agent of record on enrollments and will have access to their book of business while within the agency’s hierarchy. Book ownership, however, will remain with the upline agency as applicable.
• Compliance assurance: Credential validation will ensure all enrollers meet licensing and appointment requirements, supporting regulatory alignment and operational integrity.

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