State-run exchanges are taking vastly different approaches to broker training, a result of the varied political and economic climates across the 16 states and the District of Columbia that have opted to create their own exchanges in compliance with the Affordable Care Act.

In Vermont, for example, the state plans to train navigators and brokers in basically the same way - a move that National Association of Health Underwriters' CEO Janet Trautwein "disagrees" with. Instead, she touts as "correct" the District of Columbia's plan to train brokers separately - a job that NAHU is contracted to do. "You can't say that someone who has no background in insurance needs the same kind of training as someone who may have been doing it for 20 years," Trautwein says.

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