Certification details for Medicare and ACA agents
Get the guidance you need to ensure compliance and maximize your success in selling Medicare and ACA products.
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Your path to getting certified to sell Medicare plans
Begin your journey to becoming a certified Medicare agent with our comprehensive resources and detailed information on AHIP and individual carrier certifications.
Achieve AHIP certification: Your first step toward success
AHIP Medicare training is an annual certification for agents selling Medicare Advantage and Part D plans, focusing on essential rules and compliance for ethical guidance.
Link to AHIP TrainingStep 1: Get AHIP Certified
Check out this helpful resource we put together to assist in your efforts and know what to expect.
Step 2: Get Individually Carrier Certified
Each carrier will also require specific certifications unique to their plan benefits. Click on the carrier logo below for specific details and instructions.
Step 3: Verify Ready-To-Sell Status
Once certified, it is now important you make sure you are ready to sell with each carrier. This can be done easily by checking the carrier portal or inquiring with a PSM Account Manager.
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Questions from agents about Medicare certifications
When agents ask questions we like to share it with our community
Is this something I have to do every year?
To sell Medicare products, agents typically need to complete their Medicare certification annually. This involves passing the required training and certification exams each year to ensure compliance with current regulations and updates in Medicare plans. Additionally, some states may have their own specific requirements, so it’s important to stay informed about both federal and state guidelines.
Is it just one certification to take care of all my companies?
While there may be a standardized training course for Medicare, each insurance carrier usually has its own specific certification requirements and processes, which may include unique training modules, exams, and compliance guidelines. Some agents may also need to complete additional training specific to the plans offered by each carrier. It’s essential to check with each company for their specific certification requirements.
Is there a cost to getting certified?
There is a cost for the AHIP Medicare training course, but not for the individual carrier certifications. PSM has a dedicated link for our agents with a $50 discount available.
Do I need to re-certify each year even for renewal commissions
Yes, agents need to recertify each year to receive renewal commissions for Medicare Advantage plans. This annual recertification ensures that agents stay up-to-date with the latest Medicare regulations, products, and compliance requirements. Failing to complete the recertification process can result in losing the ability to receive renewal commissions for the plans sold.
How long does it normally take to complete?
The time it takes to complete certifications to sell Medicare plans can vary based on several factors, but generally, agents can expect the following timelines:
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Training Programs: Most online training programs can be completed within 4 to 10 hours, depending on the depth of the material and the agent's prior knowledge.
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Study Time: Agents may want to allocate additional time for studying, which can vary by individual but typically ranges from a few hours to a couple of days.
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Exam Completion: The actual certification exam usually takes about 1 to 2 hours to complete, depending on the number of questions.
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Overall Process: In total, agents can complete the certification process within one to two weeks, especially if they are dedicated to studying and taking the exam promptly after completing the training.
ACA certification made simple
Whether you’re a new agent or a seasoned professional, our comprehensive resources provide you with the latest requirements and step-by-step instructions to successfully complete your ACA certification and start selling marketplace insurance plans.
Step-by-step instructions to successfully complete your ACA certification
By following these steps, you can successfully navigate the ACA certification process and position yourself to effectively sell marketplace insurance plans.
Review ACA Certification Requirements
Before beginning the certification process, familiarize yourself with the specific requirements to sell ACA plans. This includes understanding eligibility criteria, the types of plans you can sell, and any necessary background checks or prerequisites.
Complete the Required Marketplace Training
Enroll in an accredited ACA training program that covers essential topics, including the ACA marketplace, enrollment procedures, and compliance regulations. Many organizations offer online courses that allow you to learn at your own pace. Make sure to choose a program that meets the standards set by the ACA.
Pass the Certification Exam
After completing your training, you’ll need to pass the ACA certification exam. This exam will test your knowledge of the ACA, its products, and the enrollment process. Allocate sufficient time to study and review all relevant materials, as a solid understanding will be crucial for both the exam and your future sales efforts.
Complete Any Additional State Requirements
Depending on your state, there may be additional requirements for selling ACA marketplace plans. Research any state-specific regulations, including additional training or licensing that may be necessary. Ensure you are fully compliant with both federal and state guidelines.
Stay Updated
The ACA marketplace is subject to change, and it’s important to stay informed about any new regulations, training requirements, or changes in the certification process. Join professional associations, subscribe to industry newsletters, and regularly visit the ACA’s official website to keep up with the latest information.
Registration and training for Marketplace agents and brokers
Plan year 2025 Marketplace registration and training is available for new and returning agents and brokers on the Marketplace Learning Management System (MLMS)
Questions from agents about ACA Marketplace certifications
When agents ask questions we like to share it with our community
What is ACA certification?
ACA certification is a process that qualifies agents to sell health insurance plans through the Affordable Care Act (ACA) marketplace, ensuring they understand the necessary regulations and products.
How do I get ACA certified?
To get ACA certified, you need to complete an approved training program, pass the certification exam, and submit your application for certification.
How long does the certification process take?
The time required can vary, but most agents can complete the training and pass the exam within a few weeks, depending on their availability and study schedule.
Do I need to renew my ACA certification?
Yes, ACA certification typically needs to be renewed annually or biannually, depending on state requirements. Continuous education may also be required to maintain certification.
Can I sell other types of insurance if I’m ACA certified?
Yes, being ACA certified allows you to sell ACA marketplace plans, but you can also sell other types of insurance as long as you have the appropriate licenses for those products.
What resources are available for certified agents?
Certified agents can access resources such as marketing materials, client management tools, and ongoing training to help them succeed in selling ACA plans.
What are the benefits of selling ACA marketplace plans?
Selling ACA marketplace plans can provide agents with access to a large pool of potential clients, the opportunity for ongoing commissions, and the ability to help individuals secure affordable health coverage.
The right products for your Medicare and ACA needs
Having the right product portfolio gives you a competitive edge in the market, ensuring your clients have the necessary coverage for unexpected expenses, which in turn offers them the peace of mind and financial security they deserve.
Empower your agency with knowledge and insights
Keep up with relevant topics in the insurance industry and get reminders on everything you need for enrollment periods, certifications, and everything in-between.