Do customers have to use email? October 01, 2020 02:03 Updated NO, Customers only need an email address if they want to login to their account themselves. A broker can create an application for customers not already on the marketplace without the customer having to create an account. Related articles Can a broker create an account for a client? Can an agency assign clients to a broker? When Pennie needs additional verification for a tax credit, can the agent upload it from the Pennie site? Will I be able to use my Health Sherpa accounts (enrollment) with PA plans? Does agency manager have to be licensed? Can't find your answer? Find local assistance or contact us.