We recommend that OPM issue policies and procedures pertaining to Tribal Employers’ use of insurance brokers during their participation in the FEHBP. OPM’s guidance should define the acceptable roles, responsibilities, and limitations of the insurance brokers in handling enrollee health benefit forms, performing actions on behalf of the Tribal Employer, and submitting data to FEHBP carriers. OPM’s policies and procedures must clearly state that Tribal Employers are to receive FEHBP guidance from OPM and not the insurance brokers.