Which individual lacks the authority to enroll a consumer in a Medicare Advantage Plan?

The individual who lacks the authority to enroll a consumer in a Medicare Advantage Plan is the consumer's spouse. While a spouse may be involved in discussions about healthcare options, they do not possess the legal authority to make medical or enrollment decisions on behalf of their partner unless specifically designated to do so, such as through a legal document like Power of Attorney.

In contrast, a legal guardian has been appointed by a court to make decisions on behalf of an individual who may be unable to do so. This position grants the guardian the authority to enroll someone in a Medicare Advantage Plan. Similarly, someone with Power of Attorney is legally empowered to act on behalf of another individual, including making decisions regarding their healthcare and insurance enrollment. An adult child can also have the authority to enroll their parent in such plans if they have the necessary legal authorization, like Power of Attorney or if they are designated as a caregiver by the parent.

Thus, the spouse generally does not have formal authority in the enrollment process unless explicitly granted by their partner through a legal mechanism.