Exhibit_6_-_SBE_Navigator_Entity_SOW.pdf

Oklahoma’s Health Insurance Marketplace Plan Year (PY) 2027 Navigator Program

Request for Proposal (RFP)

Released by Oklahoma Insurance Department on August 14, 2026 Navigator Program RFP and Materials due by August 26, 2026

Table of Contents Part 1: Overview

1.1 Oklahoma’s Health Insurance Marketplace

1.2 Oklahoma’s Health Insurance Marketplace Navigator Program

1.3 Organizations Eligible to Apply

1.4 PY 2027 Navigator Program Performance Period & Funding

1.5 Proposal Timeline

Part 2: Scope of Work

2.1 Navigator Entity Overview

2.2 Navigator Entity Responsibilities

2.3 Prohibited Navigator Entity Activities

2.4 Non-Discrimination Guidelines

2.5 Individual Navigator Requirements and Prohibitions

Part 3: Post-Award Responsibilities

3.1 Navigator Entity Funding

3.2 Navigator Entity Registration

3.3 Individual Navigator Certification and Registration

Part 4: Proposal Submission Requirements

4.1 Required Proposal Materials

4.2 Scoring Criteria

Oklahoma’s Health Insurance Marketplace Plan Year 2027 Navigator Program RFP

Part 1: Overview

1.1 Oklahoma’s Health Insurance Marketplace

The Oklahoma Insurance Department (OID) is a state agency responsible for enforcing Oklahoma’s insurance laws, protecting consumers, and overseeing a competitive insurance marketplace. House Bill 1512, signed into law on May 15, 2025, provided OID with the authority to establish and operate a Health Insurance Marketplace. Oklahoma transitioned from the Federally-facilitated Exchange (FFE) to a State-based Exchange on the Federal Platform (SBE-FP) on May 1, 2026 for the remainder of plan year (PY) 2026 and for all of PY 2027.

Oklahoma’s SBE-FP has multiple enrollment options including HealthCare.gov or directly through insurance companies, agents, or web brokers certified to operate in the federal Marketplace. As an SBE-FP, consumers continue to use one of these enrollment options to enroll in, renew, and manage their health coverage.

1.2 Oklahoma’s Health Insurance Marketplace Navigator Program The Navigator Program was created under the Affordable Care Act (ACA) to support community organizations in reaching underserved and uninsured populations. In accordance with 45 CFR § 155.210, Navigator Programs help consumers understand their coverage options and assist them in finding and applying for health insurance coverage.

The ACA requires SBE-FPs to operate and fund a Navigator Program.

Organizations that participate in the Navigator Program are designated as SBE-FP Navigator Entities. Navigators are individuals who are affiliated with Navigator Entities, either as employees or volunteers. To be considered for selection as a PY 2027 SBE-FP Navigator Entity on Oklahoma’s Marketplace and to receive Navigator program funding, interested organizations must submit the required application materials, including the Navigator Program Application Form, Business Assessment & Mandatory Disclosure of Risk Form, Detailed Budget, and signed Navigator Entity Agreement. Refer to Part 4:

Proposal Submission Requirements for more details.

1.3 Organizations Eligible to Apply

Organizations eligible to serve as an SBE-FP Navigator Entity include private and public entities that are able to carry out the duties and program requirements set forth in statutes, regulations, and this document. To be eligible, an organization must have a physical location or business address in Oklahoma and submit all required documentation.

Organizations may submit only one Navigator Program Application, either individually or as a part of a consortium. Applicants may choose to partner with other entities to form a consortium of subrecipients to target a larger share of underserved or vulnerable populations.

For consortiums, applicants must designate a lead applicant that will serve as the primary contact for, and recipient of, program funding, and that will serve as the pass-through entity for making program funds awarded available to other consortium subrecipients. The lead organization must contract with consortium members and is responsible for meeting program requirements and passing required assurances to members as subrecipients.

1.4 PY 2027 Navigator Program Performance Period & Funding

The performance period for Oklahoma’s PY 2027 SBE-FP Navigator Program is 12 months, beginning September 1, 2026 and ending August 31, 2027.

For PY 2027, OID will select up to three awardees to share up to $350,000 in program funding, with the total amount distributed across the selected awardees based on RFP responses. A consortium constitutes one awardee.

Organizations will be evaluated based on their proposed consumer outreach plan, personnel qualifications, and geographic service area in alignment with the scoring rubric (refer to Section 4.2 Scoring Criteria).

1.5 Proposal Timeline

Date Activity

August 14, 2026 Navigator Program RFP, Application Form, and supporting materials released

August 19, 2026 Deadline for organizations to submit RFP questions to OID August 21, 2026 OID responds to RFP questions August 26, 2026

1:00 PM

Navigator Program Application Form and supporting materials due to OID

August 31, 2026 Organizations that have entered the contracting phase return their signed Navigator Entity Agreements

September 1, 2026 OID returns countersigned Navigator Entity Agreements and performance period begins

Part 2: Scope of Work

2.1 Navigator Entity Overview

Navigator Entities’ primary responsibilities include planning, directing, and executing the proposed project and overseeing Navigator activities, as described in the organization’s submitted Navigator Program Application Form. Navigator Entities must:

• Comply with all applicable federal and state laws.

• Ensure Marketplace requirements for Navigators and Navigator Entities are upheld.

• Support consumers as outlined in the Navigator Entity Agreement.

• Provide required reports to the State on a regular basis.

• Comply with all requests from the State for additional information.

2.2 Navigator Entity Responsibilities

Navigator Entities must be capable of carrying out all duties required by the ACA, federal regulations (45 CFR § 155.210(e)), and Oklahoma Administrative Code 365:10-31. All consumer interaction must be carried out as a human-only service. Navigators are to be prohibited from using AI for consumer interactions and a bid will be found as non-responsive if any of the consumer assistance services provided will be assisted or completed by AI. These duties include, but are not limited to, the following requirements.

Registration and Certification

• Register as a Navigator Business Entity with OID and ensure that at least one individual Navigator has completed the required certification and registration process before assisting consumers. See Section 3.2 Navigator Entity Registration and Section 3.3.2 Navigator Registration for more details.

Consumer Assistance

• Maintain expertise on eligibility, enrollment, and program rules and educate the public to increase awareness of the Marketplace.

• Provide information and services fairly, accurately, and impartially to help consumers apply, understand coverage options including Qualified Health Plans (QHPs), and make informed choices while acknowledging other health programs.

• Guide consumers through the eligibility and enrollment process for QHPs including eligibility appeals, Marketplace exemptions, premium tax credit reconciliation basics and IRS resources, basic coverage rights and how to use coverage, and referrals to licensed tax professionals for tax advice.

• Refer consumers with complaints or questions about plans, coverage, or plan determinations to the HealthCare.gov Marketplace Call Center.

• Provide information in culturally and linguistically appropriate ways and ensure tools and services are accessible and usable for people with disabilities.

• Provide targeted assistance to underserved or vulnerable populations identified by the Marketplace within the service area.

Consumer Consent & Personally Identifiable Information (PII)

• Inform applicants about Navigator functions and limits, obtain and retain authorization before accessing personal information, and allow applicants to revoke authorization at any time.

• Maintain records of consumer authorization, in either hard copy or electronic format, for no less than six years, unless a different or longer retention period is applicable based on law or regulations. Navigator Entities may use the existing FFE Consumer Consent form or develop their own form, provided it includes all required fields. Access to these records should be limited to Navigator Entity personnel who need them to perform their duties. The State reserves the right to terminate a Navigator Entity Agreement if the associated Navigator Entity fails to protect consumer data.

Program Requirements https://www.healthcare.gov/

• Execute and maintain compliance with the Navigator Entity Agreement.

• Monitor Navigator compliance with conflict-of-interest requirements.

• Have at least one representative attend recurring meetings with OID.

• Host or participate in outreach events to reach consumers; the number of outreach events must be reasonable and commensurate with the program funding awarded.

o Hosting an outreach event means the organization plans and leads the event end-to-end, including logistics, promotion, staffing, and delivery.

o Participating in an outreach event means another organization is the primary host/organizer, and the Navigator Entity has a documented, attendee-facing role (e.g., presenting, tabling, or sharing information) to provide outreach/assistance.

• Complete and submit all required reports to the State; see Section 3.1.3 Navigator Entity Reporting and Payment Schedule for more details.

• Demonstrate continued effort towards reaching stated project goals.

Navigator Entities must support uninsured consumers and demonstrate a history of assisting underserved or vulnerable populations. Vulnerable populations are individuals who may face higher risks to their health and wellbeing due to the lack of physical, psychological, and/or social resources. Vulnerable populations may include but are not limited to:

• Racial and ethnic minorities.

• Rural communities.

• Low income or homeless individuals.

• American Indians and Alaska Natives (AI/AN).

• People with physical or intellectual disabilities or cognitive, hearing, speech, and/or vision impairments.

• Pregnant women, new mothers, and women with children.

• Individuals with mental health or substance-related disorders.

• Individuals with HIV/AIDS.

• Medicaid-eligible consumers who are not enrolled in coverage despite being eligible for Medicaid.

Organizations may identify other vulnerable or underserved populations in their Navigator Program Application Form.

2.3 Prohibited Navigator Entity Activities

Navigator Entities must comply with the prohibited conflicts of interest standards as defined under 45 CFR § 155.215(a)(1). Oklahoma’s SBE-FP Navigator Entities are not permitted to:

• Receive any consideration directly or indirectly from any health insurance company or issuer of stop loss insurance in connection with the enrollment of any individuals or employees in a QHP or a non-QHP.

• Charge any applicant or enrollee in coverage available on HealthCare.gov for application or other assistance related to Navigator duties.

• Provide applicants or potential enrollee gifts of any value as an incentive for enrollment.

• Use Navigator program funding to purchase gifts, gift cards, or promotional items that market or promote the products or services of a third party.

• Initiate any telephone call to a consumer using an automatic telephone dialing system or an artificial or prerecorded voice, except in cases where the Navigator Entity has a relationship with the consumer and so long as other applicable State and Federal laws are otherwise complied with.

• Compensate individual Navigators on a per-application, per-individual-assisted, or per-enrollment basis.

2.4 Non-Discrimination Guidelines

Navigator Entities must administer their programs in compliance with federal civil rights laws that prohibit discrimination based on race, color, national origin, disability, age, and, in some circumstances, religion, conscience, and sex. This includes ensuring programs are accessible to persons with limited English proficiency. Navigator Entities must comply with all applicable federal and state statutes relating to non-discrimination, including, but not limited to:

• Oklahoma Anti-Discrimination Act (OADA).

• Title VI of the Civil Rights Act of 1964.

• Section 504 of the Rehabilitation Act of 1973.

• The Age Discrimination Act of 1975.

• Title II, Subtitle A of the Americans with Disabilities Act of 1990.

• Section 1557 of the Affordable Care Act.

• Title IX of the Education Amendments of 1972.

• Applicable federal religious and conscience protection and associated anti -discrimination laws.

2.5 Individual Navigator Requirements and Prohibitions

Navigators are expected to perform the following activities:

• Provide unbiased, fair consumer assistance and conduct outreach to target populations and consumers applying for coverage.

• Educate consumers on basic healthcare concepts, available QHPs, coverage options, their eligibility results, and financial assistance available on HealthCare.gov.

• Provide consumers with accessibility support, including language interpretation.

• Direct consumers to other resources, including to the HealthCare.gov Marketplace

Call Center or agents/brokers, for additional support as necessary.

Navigators are prohibited from performing the following activities:

• Recommending, selling, soliciting or negotiating specific insurance plans for consumers.

https://www.hhs.gov/conscience/religious-freedom/index.html https://www.hhs.gov/conscience/religious-freedom/index.html

• Completing a consumer's enrollment on their behalf or providing specific plan selection advice.

• Providing gifts or incentives to consumers.

• Imposing fees for providing consumer support and assistance.

• Requesting or receiving compensation from insurance companies, agents, third parties, or consumers.

• Liaising between employers and health insurance companies.

• Initiating contact with consumers to offer assistance via automated dialing system.

Navigators are required to support any consumer seeking application assistance, regardless of population. When a Navigator does not have the capacity or the knowledge to help an individual, the Navigator must connect the individual with assistance in a timely manner. Navigators’ potential resources and other type(s) of assistance include the following:

• HealthCare.gov Marketplace Call Center for questions about the application and enrollment.

• HealthCare.gov or the HealthCare.gov Marketplace Call Center to enroll in coverage.

• Agents with whom Navigators have no established relationship or association for assistance selecting an appropriate plan.

• Medicare, including Oklahoma’s Medicare Assistance Program (MAP).

• SoonerCare for Oklahoma Medicaid and Oklahoma’s Children’s Health Insurance

Program (CHIP).

Part 3: Post-Award Responsibilities

3.1 Navigator Entity Funding

3.1.1 Requirements and Conditions

Navigator Program payments are contingent upon the Navigator Entities’ performance and compliance with Navigator Entity Agreement terms and conditions. If a Navigator Entity or an individual Navigator affiliated with the Navigator Entity commits fraud, misuses funds, or is out of compliance with their signed Navigator Entity Agreement, the following consequences may occur:

• Termination of the Navigator Entity Agreement.

• Withholding of all remaining funding.

• Suspension from program participation for a defined period.

3.1.2 Navigator Entity Funding Restrictions

Navigator funding must be used exclusively for the project goals outlined in the Navigator Program Application Form and agreed upon with the State. Navigator funding issued by the State may not be used for any of the following purposes:

• To cover the costs to provide direct health care services to individuals.

• To match any other federal or state funds.

• To provide services, equipment, or support that are the legal responsibility of another party under federal or state law (such as vocational rehabilitation or education services) or under any civil rights laws; such legal responsibilities include, but are not limited to, modifications of a workplace or other reasonable accommodations that are a specific obligation of the employer or other party.

• To supplant existing state, local, or private funding of infrastructure or services such as staff salaries, except for Navigators’ salaries.

• To cover any pre-award costs.

• To carry out services such as conducting eligibility determinations or transferring consumer enrollment information to HealthCare.gov.

• To assist consumers outside of Oklahoma. Oklahoma’s Health Insurance

Marketplace Navigators should refer consumers outside of Oklahoma to Navigators in their state, the applicable Marketplace Call Center, and/or other resources within the state where the consumer resides for assistance.

• To fund staff retreats or promotional giveaways.

• To purchase gifts, gift cards, or promotional items that market or promote the products or services of a third party that would be provided to any consumer or potential enrollee.

• To lobby; organizations can lobby at their own expense if they segregate state funds from other financial resources used for that purpose.

• Any other goods, services, or activities prohibited by the terms and conditions of the Navigator Entity Agreement.

3.1.3 Navigator Entity Reporting and Payment Schedule

Navigator Entities must cooperate with the State’s program evaluation and may be audited by the State in accordance with state regulations (Okla. Stat. tit. 36.). Navigator Entities must also submit the required reports to the State, and any additional information requested to evaluate program performance against project goals. Reports capture progress, challenges, outreach metrics, consumers served, and how Navigator Program funds are used. Failure to submit reports timely or meet the proposed project goals may result in reduced funding for the remainder of the performance period. Reports may include, but are not limited to, the following qualitative and quantitative metrics.

• Performance metrics for affiliated Navigators and the consumer assistance provided.

• Number of consumers who received assistance across various categories.

• A current list of affiliated Navigators.

• How funding was used during the reporting period.

Navigator Entities are required to submit monthly reports throughout the performance period. Reports are due between the first and the fifteenth of each month, following the reporting month (i.e., the report for September activities is due between October 1st and October 15th). Reports submitted after the fifteenth of the month are considered late. If the fifteenth of the month falls on a state holiday or weekend, the reporting deadline is the following business day. Additional reporting guidance, including a reporting template, will be provided to participating Navigator Entities.

Navigator Entities must submit an invoice each month with their report to receive their Navigator program funding. Invoices must include the organization’s information, an invoice number, the date, detailed itemization of services (description, quantity, unit prices, totals, etc.). Navigator Entities must be registered as a supplier with the State of Oklahoma; details to register with the State will be provided to participating Navigator Entities.

Navigator Entities should consider the monthly invoicing schedule when completing the Detailed Budget. Funding amounts will be proportionate to budgetary needs outlined in the Navigator Entity’s approved Detailed Budget. If an applicant is selected as a Navigator Entity but the final award amount differs from the amount requested in the application, the Navigator Entity must submit an updated Detailed Budget reflecting the final award amount.

3.2 Navigator Entity Registration

Once each Navigator Entity’s award is confirmed, the SBE-FP Navigator Entity must complete annual registration with OID before overseeing Navigators or conducting outreach. Navigator Entities must be registered before OID will countersign the Navigator Entity Agreement and before program funds are released to the organization. The registration steps are outlined below.

1. Complete the Navigator Entity Registration Application.

2. Attach list of affiliated individual Navigators.

3. Pay the $50.00 annual registration fee by check or money order.

4. Include additional supporting documents, if needed (e.g., work authorization for non-US citizens, supporting documents for attestation).

5. Mail application fee and completed registration packet to the OID Licensing Division

(400 NE 50th Street, Oklahoma City, OK 73105).

Navigator Entities must maintain an accurate list of all Navigators currently operating in their organization and alert OID of any changes within 30 days.

Refer to the OID website for details on registration requirements.

3.3 Individual Navigator Certification and Registration

All individuals performing Navigator functions must be affiliated with an Oklahoma SBE-FP Navigator Entity, complete the required certification training, and register with OID.

3.3.1 Navigator Certification

Navigators must submit proof that they completed the required federal certification training before assisting consumers for PY 2027. CMS releases new training each plan year ahead of Open Enrollment. All Navigators must complete and pass CMS’s PY 2027 training assessment and submit proof of certification to SBEAssister@oid.ok.gov within 60 days of execution of the Navigator Entity Agreement. Navigators must select “SBE-FP” as their https://www.oid.ok.gov/wp-content/uploads/2022/11/110922_OK-Navigator-Entity-ApplicationFINAL.pdf https://www.oid.ok.gov/licensing-and-education/navigator-registration/ mailto:SBEAssister@oid.ok.gov assister type when taking CMS’s training. More information regarding federal certification is available on the CMS website.

Navigators are also required to review the Certification Training Supplement for Assisters document available on the OID Assister Resources website.

3.3.2 Navigator Registration

Navigators must be affiliated with a selected SBE-FP Navigator Entity that has active OID registration and they must complete the required annual OID registration steps outlined below. Each Navigator Entity must have at least one affiliated individual Navigator complete registration within 60 days of execution of the Navigator Entity Agreement and before assisting consumers. Detailed requirements are available on the OID website.

1. Read through the Pre-registration Education Materials for Navigators.

2. Complete the Individual Navigator Registration Application.

3. Pay the $25.00 application fee by check or money order.

4. Submit to a criminal background check with Oklahoma State Bureau of

Investigation ($15) dated no more than 30 days prior to the date of application.

5. Provide valid work authorization (for applicants who are not citizens of the United

States).

6. Provide all supporting documents, if answered “yes” to any of the background questions in the application including:

a. Written statement; and

b. Certified copies of all relevant documents.

7. Mail application fee and completed registration packet to the OID Licensing Division (400 NE 50th Street, Oklahoma City, OK 73105).

Navigators can contact the Licensing Division at licensing@oid.ok.gov for support with the registration process.

Part 4: Proposal Submission Requirements

4.1 Required Proposal Materials

Organizations must submit the following materials to apply to be an Oklahoma SBE-FP Navigator Entity starting September 1, 2026. Do not include any consumer PII in these documents.

• Navigator Program Application Form

• Appendix 1: Business Assessment & Mandatory Disclosure of Risk Form

• Appendix 2: Detailed Budget

• Letter of Support (consortium Navigator Entities only)

• Supplemental detail pages as needed (optional)

All costs of preparing and presenting an organization’s response to this RFP are the responsibility of the organization.

https://www.cms.gov/marketplace/in-person-assisters/training-webinars/training https://www.oid.ok.gov/licensing-and-education/navigator-registration/ https://www.oid.ok.gov/wp-content/uploads/2020/12/201210-Navigator-Pre-registration-Education-Materials.pdf https://www.oid.ok.gov/wp-content/uploads/2022/11/110922_Individual-Navigator-application-OKLAHOMA-INSURANCE-DEPARTMENT-1.pdf mailto:licensing@oid.ok.gov

4.1.1 Navigator Program Application Form

Navigator Entities must complete and submit the Navigator Program Application Form, which contains all obligations imposed by federal and state regulations and other terms and conditions of the Navigator Program, including assurances. The Navigator Program Application Form must be completed and signed by the Authorized Organization Representative (AOR) which is the designated representative of the Navigator Entity with authority to act on the organization’s behalf in matters related to the award and administration of state funding.

The Navigator Program Application collects the organization’s proposed project description, including information on roles and activities of any subrecipients. The project description should align with the Navigator Program Standards as outlined in 45 CFR §

155.210. Information collected in the Navigator Program Application Form is outlined in more detail in Section 4.2 Scoring Criteria.

4.1.2 Appendix 1: Business Assessment & Mandatory Disclosure of Risk Form

Navigator Entities must complete and submit the Business Assessment & Mandatory Disclosure of Risk Form so the State can evaluate the organization’s risk and verify that the organization demonstrates financial solvency. This risk analysis includes items such as financial stability, management systems, internal controls, and the ability to manage funding.

4.1.3 Appendix 2: Detailed Budget

Navigator Entities must complete and submit the Detailed Budget to outline their proposed budget plan for the period of performance. The organization may request a reasonable amount of funding that aligns with its proposed project and should submit a proposed budget explaining how the funds will be used. The State reserves the right to determine the final award amounts based on its review of the proposed project plan and budget.

4.1.4 Letter of Support (consortium Navigator Entities only)

If a Navigator Entity submits its Navigator Program Application Form as a consortium, a Letter of Support is required from each consortium subrecipient. Letters of Support must be on the organization’s letterhead and must include:

• Confirmation that the subrecipient agreed to participate in the proposed project and fulfill the assigned role and duties.

• Attestation that the subrecipient is not a subrecipient with another Navigator Entity.

• Signature of an accountable, senior representative able to bind the organization.

For more information on subrecipient and contractual relationships, refer to 45 CFR §

75.351 and 2 CFR § 200.332.

4.2 Scoring Criteria

Organizations will be evaluated across the applicant’s Detailed Budget, Business Assessment & Mandatory Disclosure of Risk Form, and Navigator Program Application Form. Responses must be clear, complete, and consistent across all materials.

Reviewers will conduct a fair and impartial evaluation of all proposals submitted in response to this RFP. OID will consider organizations’ existing community relationships and current Navigator-related activities, with particular emphasis on the project plan, budget, and consumer outreach strategy to maximize regional and statewide impact and support for consumers. OID will also consider alignment with OID and Oklahoma Health Insurance Marketplace goals and priorities.

Please note that OID may:

• Fund applications in whole or in part.

• Fund applications at a lower amount than requested.

• Decide not to allow a prime recipient to subaward if they may not be able to monitor and manage subrecipients properly.

Proposals will be scored using a standardized scale:

5 Excellent: Exceptional plan with all points covered, planned out, plan is above & beyond.

4 Sufficient: All key points are covered, demonstrates understanding of program components and requirements.

3 Limited: Some key points, but not fully meeting or fully understanding the requirements of the RFP; OR did not fully answer all key points of the question.

2 Poor: Not fully addressed or clearly does not demonstrate understanding of the principles or requirements for this RFP.

1 Did Not Answer: Did Not Answer question; OR did not answer the question that was asked.

Scores will be weighted and combined to produce a final score for each Proposal.

Section Scoring Criteria

Detailed Budget

All Detailed Budget

Sections

• Detailed budget describes all activities funded through the program to meet project scope and OID goals.

• Costs appear reasonable, justified, and supportive of the proposed project plan.

• High-Level Budget Description in the Application Form fully details projected costs, planned funding strategy, priority areas, and assumptions used to estimate the budget.

Business Assessment & Mandatory Disclosure of Risk Form

All Business Assessment

Sections

• Business Assessment & Mandatory Disclosure of Risk Form is complete with no potential risks.

• No unexplained potential risks or discrepancies are identified.

Navigator Program Application Form

Organization Information

(including Consortium

Information, if applicable)

• All required organizational information fields are complete.

• If applicable, consortium information includes a detailed description of the consortium structure and participating organizations, including their roles, responsibilities, and governance. Coordination plan is practical and the consortium contributes to project scope and goals, without adding unnecessary complexity.

Proposed Service Area and Target Populations

• Proposed Service Area details geographic area(s) where services and outreach will be conducted, clearly identifying the counties, regions, and/or communities the organization proposes to serve. Service area is feasible based on the proposed staffing and outreach plan.

• Target Populations and Communities Served clearly identifies a priority population including relevant geographic, demographic, and socioeconomic characteristics. Estimated consumer reach is feasible based on proposed staffing and outreach plan.

Proposed Application & Enrollment, Outreach & Education, and Referral Plan

• Application and Enrollment Strategy details how the organization will help consumers understand eligibility and coverage options, enroll in coverage, and update applications. Plan aligns with the consumer service model. Provides estimated number of consumers assisted with enrollment in line with requested budget.

• Outreach and Education Strategy is specific and targeted, with identified channels, geography, partnerships, timing, and other relevant details. Provides estimated number of consumers assisted, planned outreach events, and educational materials in line with requested budget.

• Referral Plan details how consumers will be referred to other programs or community resources when needs extend beyond the organization’s services. Provides anticipated number of consumers connected to additional support.

Accessibility Approach and

Privacy & Security of

Consumer PII

• Accessibility Approach details how services will be accessible to consumers with disabilities and consumers with language and literacy needs. Specific accommodations are clearly described, including interpretation, translated materials, accessible formats, and other support resources.

• Privacy and Security of Consumer PII details plan for the organization to protect consumers’ PII, in accordance with Oklahoma privacy and security standards, including ongoing monitoring consistent with 45 CFR § 155.260. Approach is implementable for managing authorization of the individual Navigators’ access to PII.

Personnel Qualifications and Navigator

Staffing

• Personnel Qualifications details key staff qualifications and relevant experience, including alignment with proposed activities and, if applicable, budgeted roles. Staff experience and qualifications align with the proposed scope of work.

• Navigator Staffing and Onboarding Plan details plan for recruiting, hiring, onboarding, training, and maintaining Navigator certifications and registrations. Timeline supports the proposed project milestones and estimates number of Navigators for the full performance period.

The State reserves the right to contact Navigator Entities for additional information.

Organizations not selected to receive Navigator program funding may apply to become a Certified Application Counselor Designated Organization (CDO) when the State releases applications on the OID website in August 2026. CDOs conduct similar consumer outreach activities on a volunteer basis.

4.2 Scoring Criteria