Health

Year-Round Sales. Enhanced Subsidies. Millions of Uninsured Americans.

The ACA marketplace has never been stronger. Enhanced tax credits mean more clients qualify — and Special Enrollment Periods keep you selling all year.

Get Started — Apply Now

Healthcare professional reviewing insurance coverage options with a patient

Year-Round SEPs

Special Enrollment Periods triggered by life events let you enroll clients outside the annual open enrollment window.

4 Plan Tiers

Bronze, Silver, Gold, and Platinum metal tiers give clients flexible cost-sharing options to match every budget.

$0 Premium Plans Available

Enhanced APTC subsidies bring premiums to zero for many low-income clients, dramatically expanding your market.

All Pre-existing Conditions Covered

ACA plans cannot deny coverage or charge more based on health history, making every prospect a viable client.

The Enhanced APTC Opportunity

The Inflation Reduction Act extended and expanded Advanced Premium Tax Credits through 2025, and legislative momentum continues to push for permanence. For agents, this means a wider pool of subsidy-eligible clients than ever before — including households at every income level.

Clients who previously priced out of the marketplace are now discovering they qualify for meaningful financial assistance. Your job is to connect them to the right plan at the right price.

✓ No income cap on subsidy eligibility under current rules
✓ Cost-sharing reductions (CSR) stack on top of premium credits for Silver plans
✓ Self-employed and gig workers qualify — a massive underserved segment
✓ Families with employer coverage gaps often qualify for individual ACA plans
✓ Medicaid-to-marketplace transitions create recurring enrollment opportunities

Subsidy Impact by Income Level

Income < 150% FPL $0 Premium

150 – 250% FPL Low Premium

250 – 400% FPL Moderate Subsidy

400%+ FPL Available — No Cap

FPL = Federal Poverty Level. Subsidy amounts vary by age, location, and plan selection. Enhanced credits apply through plan year 2025.

How PMPM Commissions Work

ACA commissions are paid on a Per Member Per Month (PMPM) basis — meaning you earn a recurring monthly payment for every active enrollee in your book. Your income compounds as your book grows without restarting every year.

✓ Commissions paid monthly by the carrier for each enrolled member
✓ Renewals are automatic — clients who stay enrolled keep generating income
✓ No ceiling on book size — scale as large as you can build
✓ Rates standardized by CMS, so carriers compete on support — not undercutting
✓ Multi-member households multiply your PMPM per policy

PMPM

Per Member Per Month

Recurring monthly income per active member
Compounds automatically as your book grows
No chasing renewals — auto-renew by default
Paid by carrier, tracked in your commission dashboard
Family policies = multiple PMPM payments
Stable income base alongside other product lines

Diverse group of people representing the millions of Americans who need health coverage

Individual Plans

Serve the millions of adults under 65 who lack employer-sponsored coverage — freelancers, part-time workers, early retirees, and anyone between jobs. Enhanced subsidies have made individual ACA plans competitive on both cost and coverage.

Family Plans

Families face some of the highest uninsured rates — and the highest per-policy PMPM commissions. Qualifying a household of four can mean four times the monthly residual income from a single enrollment conversation.

Self-Employed Market

Small business owners, contractors, and gig workers represent one of the fastest-growing segments in the ACA marketplace. They lack group coverage and often don't realize how affordable subsidized plans can be — making them ideal prospects for agents who know how to explain APTC.