He's a former Missouri insurance commissioner and was directly involved in the implementation of the Affordable Care Act. Angoff said the Missouri law handcuffs the help that navigators can offer. "Approximately a dozen states have enacted legislation that establishes burdensome requirements that effectively prevent many of the organizations designated in the statute from being navigators, and prevents navigators from carrying out the duties the Affordable Care Act requires them to carry out even if they overcome these burdens," Angoff said.