Marketplaces

Business and research documentation about the marketplace platforms AskFlorence operates on — the Federally-Facilitated Marketplace (FFM), State-Based Marketplaces (SBMs), and SBM-FP states that use the HealthCare.gov platform under state oversight.

This section is the home for working drafts that explain how each platform works, where they diverge, and the operational rules that shape AskFlorence's enrollment workflow.

What lives here

• FFM mechanics — HealthCare.gov enrollment flow, agent/broker portal, account transfer, plan selection
• SBM differences — how state-based marketplaces (NY, CA, WA, MN, CO, etc.) diverge from FFM
• SBM-FP states — Arkansas, Oklahoma, Oregon: state oversight + HealthCare.gov platform
• Data Matching Issues (DMI) — when and how DMIs trigger, applicant response paths, regulatory shifts
• 1095-A handling — how marketplaces issue and reconcile 1095-A forms
• Marketplace certifications — agent/broker certification requirements per platform

What does NOT live here

Engineering and architecture docs about marketplace API integration, enrollment data flow, or 1095-A processing live in their respective engineering sections. When a research finding here graduates into a canonical engineering decision, it moves into an ADR.

Documents

No documents yet — this section is a standing directory for future marketplace research.