For health insurance brokers + benefits consultants: 45 CFR §155.220 marketplace FCMA, 42 CFR §422.2274 Medicare Advantage marketing, IRC §125 cafeteria, COBRA election, IRC §4980H + 6056 employer mandate 1094/1095, HIPAA producer PHI, IRC §6055 MEC, No Surprises Act PHSA §2799A-1, MHPAEA parity, Medigap, 2024 CMS broker comp cap.
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Enterprise unlocks the procurement floor — $5K–$50K+ Skilskis with ROI floors of $250K to $45M+ per skill, plus federation, ROI telemetry, and verifiable receipts. Members get 50% off any Elite Skilski outright.