ACA with Plan Advisors

Your ACA Growth Advantage

The Affordable Care Act (ACA) has expanded access to health insurance for millions of Americans under 65, creating a powerful opportunity for agents to grow their business. At Plan Advisors, we connect you with the carriers, technology, and training you need to offer ACA Marketplace coverage with confidence.

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Why Sell ACA Products?

Why Sell ACA Products?

ACA coverage is more relevant than ever, giving agents the chance to earn steady, recurring commissions that are paid per member, per month. With bonuses for sales and retention, minimal chargebacks, and only one free Federally Facilitated Marketplace certification required, ACA is both accessible and profitable. These plans allow you to serve more consumers than ever before, expand your portfolio with carriers you already know, and create a well-rounded offering that pairs seamlessly with Medicare and ancillary products.

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Who Needs ACA Coverage?

Who Needs ACA Coverage?

ACA clients include early retirees not yet eligible for Medicare, self-employed families who qualify for subsidies, employees of small businesses without health benefits, and young adults aging off their parents’ plans. By adding ACA to your portfolio, you can ensure a wide range of clients under 65 and meet their needs at every stage of life.

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Qualified Health Plans (QHPs)

Qualified Health Plans (QHPs)

All ACA Marketplace products are Qualified Health Plans, certified to meet federal standards for comprehensive care. QHPs include essential health benefits such as hospitalization, maternity care, prescriptions, and mental health services, along with cost-sharing protections that limit deductibles, copayments, and out-of-pocket expenses. These safeguards give your clients confidence that their coverage is both compliant and reliable.

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Do I need a certification to sell ACA plans?

Yes. Agents must complete the annual FFM (Federally Facilitated Marketplace) certification or the state-based marketplace equivalent to sell ACA plans and receive commissions.

What types of clients are eligible for ACA plans?

Any U.S. citizen or legal resident who does not have access to affordable employer coverage, Medicaid, or Medicare may be eligible. Eligibility and subsidies are based on household income, family size, and state of residence.

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Clients can enroll during the Annual Open Enrollment Period (November 1–January 15 in most states) or during a Special Enrollment Period if they experience a qualifying life event, such as loss of coverage, marriage, birth, or relocation.