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    Welcome to Member Defense Network

    Ensuring integrity in the health insurance marketplace
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    Member Defense NetworkTM (MDN) is a partnership among industry leaders committed to fighting fraud so all Americans have secure, uninterrupted access to health coverage through the Affordable Care Act (ACA) Marketplace.

    Collaboration ensures everyone in the ecosystem benefits, especially members. Our partners include:

    Why MDN?
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    Validate consent

    Our secure registry validates consent after enrollment and prior to commission payments to safeguard consumers from unauthorized plan changes, protecting both consumers and ethical agents.

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    Remove incentives for fraud

    MDN consent validation removes financial incentives for fraudulent activity, protecting members and creating enrollment efficiencies across the industry.

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    Keep members safe

    Consumers trust us when we tell them they’ll have access to the care they need when they need it. MDN keeps members safe from fraud and secures their enrollment to ensure their security and their confidence in the relationships carriers and agents work so hard to build and maintain.

    For Carriers
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    As part of MDN, secure data feeds from the Registry will ensure your membership is safe and you're paying commissions to the right agents.

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    • Simple, seamless SFTP data integration
    • 4-level consent validation with time stamps and id proofing 
    • Nightly Commission Filtering Feed for timely payment guidance
    • Carrier Dashboard to track your membership and commissioning

    Upload your enrollment data to the secure MDN Registry and we will reconcile the data, validate consent, and identify potentially fraudulent enrollments. We provide payment guidance so you can determine commission payments based on the validity of member consent, removing the incentive for fraud.

    For Agents
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    MDN integrates with ACA issuers and exchanges to protect your enrollments from fraud so you can retain your clients and run your agency at maximum efficiency.

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    • Upload consent to the MDN Registry to lock in commissions
    • Monitor consent status and action items via MDN Dashboard
    • Manage consent directly from popular exchanges and issuer sites integrated with MDN
    • Contact agent support for help or to make appeals

    Manage consent through through MDN to protect your clients from fraud so they have access to the care they need. Our 4-level consent validation process uses time stamps and identity proofing to ensure the agent who owns the client relationship earns the commission.

    Join Us

    We bring together the industry’s most trusted insurance carriers, agencies, and technology providers to create a symbiotic data ecosystem that streamlines risk management and protects consumers from fraud. Read more.
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    Learn more about Member Defense Network today and be part of the solution.

    Here’s what our partners have to say:

    "O'Neill Marketing is enthusiastic about collaborating with MDN to fight fraud and fix some of the problems we see in our industry. We believe the MDN is exactly what the ACA needs and the first synergistic solution that directly addresses the biggest pain points and transparency issues we've been dealing with."

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    Kerry Van Iseghem
    CEO | O'Neill Marketing

    "MFP is thrilled to collaborate with Member Defense Network to safeguard consumers from unauthorized plan switching. It is crucial that we maintain the integrity of the ACA insurance consumer experience." 

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    Michael Hilf
    CEO | Healthcare Funding Partners

    "Agility fully supports the Member Defense Network for its unwavering dedication to consumer protection, improving carrier efficiency, and ensuring agents are fairly compensated for selling compliantly. MDN's detailed operational framework ensures that agents conduct their activities transparently. This commitment guarantees consumers' interests are safeguarded at all times."

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    Steve McLaughlin
    CEO | Agility Holdings Group
    "The fraud being committed daily in the ACA Marketplace is out of control; something significant must be done. Member Defense Network is the best solution I've seen to dramatically stop the fraud, and return trust and confidence to the Marketplace."
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    Dan Hardle
    CEO | Agent Boost

    "Keeping our members safe from fraud is at the top of our list, and MDN is the best tool we've found to do just that. We're really excited about our partnership with MDN and genuinely believe it’s going to make a big difference."

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    Antonio Feijoo
    CEO | New Health Partners