What is the required disclosure when an agent represents only a subset of plans?

• A. State that you only discuss plans you represent
• B. Deny that there are other plans available
• C. Ignore the existence of other plans
• D. State that you do not represent every plan available in the area and provide sources for full information

Answer: (D)

When an agent represents only a subset of plans, transparency about scope is essential. The agent should clearly state that not every plan available in the area is represented and provide sources where the consumer can obtain full information about all plans. This helps the consumer make an informed comparison of options beyond what the agent offers and prevents any impression that all plans in the market are being covered by the agent. It also reduces potential bias or misrepresentation by making the limits of representation explicit and directing the consumer to complete information sources. Other approaches, such as implying exclusive discussion of only the plans you carry or denying or ignoring the existence of other plans, can mislead consumers and undermine trust.