Published: June 23, 2026.
EDE is enhanced direct enrollment. Certified web brokers and issuers can complete the full Marketplace eligibility and enrollment flow on their own website while staying connected to the federal Marketplace hub.
Key Takeaways
- EDE is enhanced direct enrollment. Certified web brokers and issuers can complete the full Marketplace eligibility and enrollment flow on their own website while staying connected to the federal Marketplace hub.
- EDE certification requires CMS approval, privacy and security reviews, and ongoing operational monitoring. Agencies that want a white labeled enrollment experience on their domain typically partner with an EDE certified platform or build custom EDE integration.
- For most independent brokers, non EDE quoting tools still handle plan comparison and APTC math. The client completes enrollment on Healthcare.gov or a carrier site. EDE matters most to agencies and insurtechs that want enrollment on their own domain.
- EDE is separate from plan data APIs. You can quote live CMS plans without EDE certification. Enrollment integration is the piece that requires certification.
EDE certification requires CMS approval, privacy and security reviews, and ongoing operational monitoring. Agencies that want a white labeled enrollment experience on their domain typically partner with an EDE certified platform or build custom EDE integration.
For most independent brokers, non EDE quoting tools still handle plan comparison and APTC math. The client completes enrollment on Healthcare.gov or a carrier site. EDE matters most to agencies and insurtechs that want enrollment on their own domain.
EDE is separate from plan data APIs. You can quote live CMS plans without EDE certification. Enrollment integration is the piece that requires certification.
Related field notes
- What is EDE certification and is it worth it for solo agents?
- How insurtechs use ACA APIs: quoting layer, enrollment layer, and what to build
- NPN vs EDE certification: what ACA brokers actually need
Related glossary terms
FAQ
Common broker questions about this term.
Do solo brokers need EDE certification?
Usually no. Solo brokers can quote with free tools and send clients to Healthcare.gov for enrollment. EDE pays off for high volume shops that want on domain enrollment.
How long does EDE certification take?
Timelines vary by build approach and CMS review cycles. Custom EDE integrations are a multi month engineering project, not a toggle in a quoting tool.
Is QuoteTurbo EDE certified?
QuoteTurbo provides live quoting and subsidy math today. EDE certification is on the roadmap. Enrollment still completes on the Marketplace until then.
