What is the primary role of navigators in the health insurance marketplace?

Navigators play a crucial role in the health insurance marketplace primarily by assisting individuals in understanding their health coverage options. This includes providing information about different insurance plans, explaining the benefits and drawbacks of each option, and helping consumers to compare choices based on their health needs and financial situations. Navigators aim to empower individuals to make informed decisions about their health insurance, ensuring they understand terms, costs, and coverage details.

In contrast, the other roles mentioned are not aligned with the primary functions of navigators. Although processing insurance claims and determining eligibility for government assistance are important tasks within the healthcare system, these responsibilities typically fall to different entities, such as insurance companies and government agencies. Establishing new health insurance policies also involves different processes and stakeholders, making it outside the scope of what navigators primarily do. Thus, navigating users through their options and helping them understand the marketplace is central to their role.