Which of the following represents a conflict of interest for an Indiana navigator?

A business relationship with an insurance carrier constitutes a conflict of interest for an Indiana navigator due to the navigator's primary responsibility to provide unbiased assistance to consumers. Navigators are intended to help individuals and families access health insurance options without influencing their choices based on personal financial gain or relationships that may compromise their impartiality. When a navigator has a financial or business connection with an insurance carrier, it can create a situation where their recommendations may be swayed by the relationship, rather than focusing solely on the needs and best interests of the clients they serve. This fundamentally undermines the trust that consumers place in navigators to offer objective and relatable guidance in navigating health insurance options.

Other scenarios, such as assisting clients without commission, providing free consultations, and helping consumers compare all insurance plans, are practices that support transparency and consumer empowerment, aligning with the duties of a navigator while avoiding any potential conflicts that could arise from direct financial incentives.