NAHU represents licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers and individuals seeking health insurance coverage.
Latest on Twitter


Individual Health Insurance Certification

Health insurance protects financial security as a person anticipates and moves through life’s various stages. Adequate health insurance helps to build and maintain financial security by shielding a person from financial setbacks that could compromise that security should ill health or injury occur at any stage in life. Employer funding of health insurance has declined significantly over the past 30 years which places more responsibility on the individual to provide his or her own financial protection.

Agents and Brokers ensure their clients to have products of value that provide peace of mind and protect against significant losses. The client becomes the policy owner and the insurer backs the promises in the contract. Underwriting is an essential function in all forms of insurance. It is the process of evaluating an insurance applicant, making decisions about the applicant’s acceptability for insurance coverage, and determining the appropriate basis on which to provide coverage and charge a premium.

NAHU created this course for professionals to better assist their clients in working towards an immediate goal of becoming protected against insurer insolvency and unfair treatment by insurers. Health insurance is arguable the most heavily regulated type of insurance; it protects almost irreplaceable personal values that are directly related to health and well-being, earning a living, and the conduct of life’s basic activities. Purchasing individual health insurance is a process that relies on a number of fundamental components such as insurability of health-related expenses, sources for individual health insurance, and the market for individual health insurance. This course will educate you on the Affordable Care Act, the purchasing process for individual medical expense coverage differences and comparisons from the purchasing process for individual disability and long term care.

Medical expense policies provide the benefits for health care services purchased on an individual basis. Historically, principal policies were limited to hospital and physician services related to inpatient care and surgery and had fixed or scheduled benefit limits. The Affordable Care Act expanded coverage requirements with the inclusion of essential health benefits, eliminated lifetime and annual maximum limits, eliminated health status as underwriting criteria and eliminated pre-existing condition clauses for medical expense plans.

Learning Objectives:

Registration Fees/Continuing Education Credits:

The cost of the Consumer Directed Certification course is $495 for members and $643.50 for non-members, which includes online instruction in four one-hour webinar modules, a final exam and continuing education credits (status by state and rules). Upon completion, the student will receive a certificate of completion as a Certified Consumer Directed Healthcare Professional.


Course instruction will be delivered through NAHU's Online Learning Institute (OLI). Click here to enroll.

Exclusive Added Value for Members:

Promotion of each certified specialist through NAHU’s Find an Agent feature

Have Questions?

Contact Student Services with questions or comments at 844-257-0990 or