ACA Health Insurance Plans
As an independent insurance agent, expanding your portfolio to include Affordable Care Act (ACA) plans can significantly enhance your value proposition to clients. ACA plans offer comprehensive health coverage with essential benefits, making them an attractive option for individuals and families seeking affordable healthcare solutions.
ACA Introduction Guide for Agents
By offering ACA plans, you can tap into a broader market, increase your client base, and provide valuable guidance in navigating the complexities of health insurance. This not only strengthens your client relationships but also positions you as a trusted advisor committed to meeting diverse healthcare needs and improving access to quality coverage.
ACA Carriers We Proudly Represent
5 Steps to Start Selling
Before selling health insurance plans through the federal Health Insurance Marketplace® (FFM) on HealthCare.gov, you’ll need to register, sign agreements, and complete required training. https://www.healthcare.gov/agent-broker-quick-start/
Marketplace Training / Certification
To sell Marketplace plans, agents must complete the required ACA Marketplace training and pass the certification exams. This process includes studying the provided materials, attending any necessary courses, and successfully passing the assessments to obtain certification.
Visit our comprehensive ACA Marketplace Training page, where you'll find all the essential details to complete the required training and certifications required to sell ACA Health plans.
Enrollment Platforms
Health Sherpa is a powerful tool designed to simplify the ACA enrollment process, providing you with a user-friendly interface, comprehensive plan comparison, and quick enrollment features. Whether you’re an experienced agent or new to the industry, Health Sherpa makes it effortless to assist clients in finding the best health plans available.
ACA Health Insurance Information
ACA Health Insurance, established under the Affordable Care Act, offers comprehensive and affordable healthcare coverage to individuals and families. These plans cover a wide array of essential health benefits, including preventive services, emergency care, prescription medications, mental health services, and chronic disease management. One of the key features of ACA Health Insurance is the provision of subsidies based on income, making quality healthcare accessible to a broader population. Additionally, ACA plans prohibit the denial of coverage based on pre-existing conditions, ensuring that everyone has the opportunity to receive necessary medical care.
ACA Health Plan Options
The 4 “metal” categories - Health insurance plans are typically categorized into four distinct tiers: Bronze, Silver, Gold, and Platinum. These categories, also known as metal tiers, are designed to help individuals choose a plan that best fits their healthcare needs and budget.
Bronze plans generally have the lowest monthly premiums but higher out-of-pocket costs, making them suitable for those who require minimal medical care.
Silver plans balance moderate premiums with moderate out-of-pocket costs and are often chosen by those who qualify for cost-sharing reductions.
Gold plans come with higher premiums but lower out-of-pocket expenses, ideal for individuals who anticipate needing frequent medical services.
Platinum plans, offering the highest premiums and the lowest out-of-pocket costs, are best for those who expect to use a lot of healthcare services.
Understanding these categories helps individuals and families select the most appropriate plan, ensuring they receive the necessary coverage while managing their healthcare expenses effectively.
ACA Agent Resources
Agent Guide on How to Sell ACA Insurance
How to get FFM Certified to sell Health Insurance
ACA Open Enrollment: Key Dates and Tips
ACA Agent Checklist (PDF)
Creating an Account with Health Sherpa
