Agents can update a client's ACA application directly in MyMFG through the EDE (Enhanced Direct Enrollment) eligibility screen. This article covers how to reach the eligibility screen, the options for updating the application, how to complete the update to the carrier, address changes, and troubleshooting.

The first step in updating your client's ACA application in MyMFG is to go to your client's eligibility screen. There are three ways to reach it.

The EDE (Enhanced Direct Enrollment) ACA Agent Dashboard shows all of your submitted ACA applications and their current status.

Note: You must have a current, documented Marketplace consent on file for the client before performing an EDE Person Search. A fresh consent is required for each EDE Person Search.

Note: EDE Person Search shows all applications for that client, including previous plan years and any active ones. This is useful if you need to confirm which application is the current active one.

This is the fastest way to reach a single client's ACA eligibility screen.

If you open an application from a previous plan year (for example, a 2025 application when you are now in 2026), you will not be able to make changes or re-enroll through a prior year application.

What to do instead: If the client needs coverage, you will need to start a new application for the current plan year. If you are unsure whether the client has an active application for the current year, use EDE Person Search to look up all applications associated with that client — it will show you if there is an active one.

As long as your client has an active policy with status "Enrollment Submitted by CMS," you can select either the Report a Change in Circumstance button or the Review App button on your client's eligibility screen.

You will not be able to select the Review App button if the application is "in progress."

Use this when the change you are making is likely to trigger a SEP (Special Enrollment Period) — for example, a household member losing coverage, the client moving to a new area, or an immigration status change. This is also the button to use if the client wants to switch to a different plan because of the life change.

This button opens the eligibility screener (the multi-step application form) from the very beginning (Step 1). You will need to go through each step of the screener until you reach the section that needs to be updated.

Use this when the change does not trigger a SEP (Special Enrollment Period) — for example, updating income, correcting a name, or fixing an address that does not affect the coverage area.

This button takes you directly to the end of the eligibility application, where you can click into any individual section to edit it. It is faster than going through the full screener because you skip straight to the part you need.

Note: If you use Review App but the change you make ends up triggering a SEP (Special Enrollment Period), the system will automatically follow the same steps as Report a Change in Circumstance. This is normal.

After clicking Change or Edit Plan, you will see one of two things depending on whether a SEP (Special Enrollment Period) was triggered:

An address change is a non-SEP update in most cases. Use the Review App button to make address changes unless the move takes the client to a new coverage area, in which case use Report a Change in Circumstance to open the full eligibility screener.

A 3-way market call is required when the client has an existing Agent of Record (AOR) on the application. In this case, you cannot complete the address change directly in MyMFG — you must first complete a CMS 3-way call to update the AOR before proceeding.

To initiate the call, follow the CMS 3-Way Call Process. Once the call is completed and the AOR is updated, return to MyMFG to complete the address change using the steps above.

If you get an error at any point, try clearing your browser cache and retrying. If the error continues, contact Producer Support with the client name, Application ID, and a screenshot.

The ACA eligibility screen is the main screen for managing a client's ACA application. It shows the client's current eligibility results, subsidy amounts, and enrollment status. It is also where agents go to make any updates or changes to the application. The buttons available on this screen — and whether they are clickable or grayed out — depend on the status of the client's application.

Yes. Changes in circumstances can be reported at any time during the year. You do not have to wait for Open Enrollment to update a client's income, household information, address, or other eligibility details. Open Enrollment only affects when a client can enroll in or switch plans without a qualifying life event.

These are two separate things. You can always report a change to a client's application — that is allowed at any time. Whether the change results in a SEP (Special Enrollment Period) depends on what kind of change it is. If the change triggers a SEP (Special Enrollment Period), the client may be able to switch plans. If it doesn't, the application is updated and the client's subsidy amounts are recalculated, but the client stays on their current plan.

First, try clearing your browser cache and retrying. If the error happens during saving, signing, or submitting, note the exact step where it occurred and what change you were making. If the error continues after retrying, contact Producer Support and provide the client name, Application ID, and a screenshot of the error.

This usually means you are looking at an application from a previous plan year that can no longer be updated. Check the plan year on the application. If it is from a prior year, use EDE Person Search to find the client's current active application, or start a new one if there isn't one.

The Review App button is not available when the application is still in progress and has not been fully submitted yet. You will need to resume and complete the in-progress application first. Once it has been submitted, the Review App button will become available.

After submitting the updated eligibility application, you must click Change or Edit Plan on the eligibility overview page and complete the plan selection flow — even if the client is staying on the same plan. This is how MyMFG sends the update to the carrier. If you closed out of the pop-up before finishing, nothing is broken — click Change or Edit Plan again to reopen it and complete the steps.

Always use the current plan year application. The previous year application cannot be updated and will show grayed out buttons or an "Enrollment not allowed" error. If you are not sure which application is the active one, EDE Person Search will show you all applications for that client — look for the one with the current plan year and a status of Enrollment Submitted by CMS.

For help, contact Producer Support, by chat from your account, by phone at (866) 568-9649, or by email at [email protected].