ACA

Write over 10 ACA apps Over The Phone… DAILY!

  • $2 Exclusive, Real-Time Low Income ACA Leads
  • “Done for You” Facebook Ad Setup
  • All the major ACA carriers at top level contracts (see commission levels below!)
  • Free Proprietary CRM to dial and work your leads
  • Live training and daily support
Inc 5000

Some of our ACA Carriers

Ambetter
Oscar
Bright Healthcare
aetna
Cigna
Friday
United Healthcare
Anthem
DigitalBGA
+
Health Sherpa
= HAPPY AGENTS

When you have DigitalBGA’s proprietary technology to deliver our high performing leads, automate texts, emails and have it automatically dial the next best lead to call to make your day the most efficient it could be…then combine it with the enrollment platform of Health Sherpa, you can write 10+ ACA apps every day with ease if you put in a full time day.

Health Sherpa makes it so easy to calculate subsidies, compare all the options available in your prospect’s area and enroll them. You can do this all in Health Sherpa.

The kicker – all of the technology is FREE for DigitalBGA agents.

The ACA Opportunity

Helping consumers with their health insurance through The Affordable Care Act (ACA) is a great way to build a big residual income quickly.

It’s realistic to enroll 10+ member per day, every day.

Here are the top 5 reasons, the opportunity is so big:

1. You earn Commissions Per Member, Per Month

Residual income! Write a family of 4 with an average commission of $20 PMPM (per member, per month), that’s $80 in monthly residual income. Depending on their income, this coverage may be free or very inexpensive and you still get the same commission. Enroll 10 members per day and earn $200/day (depending on state/product) that you’ll receive every month. These stay on the books too!

2. More Americans Are Eligible for Coverage

The American Rescue Plan of 2021 made ACA accessible to more Americans by lowering eligibility criteria. This enhancement was just extended another 3 years until 2025 through the Inflation Reduction Act. There’s a lot of people in America that need your help.

3. FFM Certification is FREE & Easy

You’ll need a health license and an FFM Certification that shouldn’t take you longer than 2 hours to complete and it’s completely free. If you don’t have your FFM Certification, that’s ok – it’s really simple!

4. This is EASY to Learn

Even if you don’t have any experience selling health insurance or ACA. It doesn’t take long to learn. Our training combined with the incredible technology available to you will get you up to speed quickly. And we’re here to answer any of your questions.

5. Cross Sell Other Products

You can cross-sell Dental/Vision/Hearing to the low income prospects leveraging subsidies. You can cross sell life insurance and other products to the middle class prospects. And if you have someone in their 60’s, you’ll be the default person they’ll go to when they turn 65 for medicare.

ACA Lead Options

You can always post your own leads into our free sales technology, but we have some incredible options.


Lead option #1: $2 Exclusive Real Time Lead

Yes these are exclusive.

Yes these are real-time.

We’re targeting low income prospects in 14 states that don’t expand Medicaid and are Federal Facilitated Marketplace states so you can enroll using Health Sherpa.

The ad copy simply says this: “Earn less than $XX,XXX/year? You may be eligible for ZERO cost health insurance. Find out if you qualify.”

Pretty straight forward, right?

We collect First Name, Last Name, Email, DOB, Phone, Address, City, State and Zip on every lead delivered.

We found over 12% of these leads to already have a marketplace plan. Which is a good thing! Put them in a better situation and become the agent of record! It’s very easy to do.

The leads have a Trusted Form TCPA compliance certificate generated for each lead. Meaning if there are ever any complaints on leads we deliver for you, we’ll handle it and squash it immediately. This in itself has a cost added per lead generated.

Lead option #2: Facebook Lead Setup

For a 1 time fee of $500, our team will get into your Facebook account and setup the ads and targeting to setup a campaign that you can turn on and off. You will be required to film a short video with your cell phone, but we’ll give you the script.

Included in this is a Zoom call showing you how to navigate your ad account and answer any questions. Even if you’ve never generated leads of Facebook before, you can use this.

Leads should come in around $12-$17/ea.

Who is this for? Those who want to market ACA locally. Or those who need more leads. Or those who want to market in the states we don’t cover in the $2 leads.

ACA Commissions

We pay the highest commissions you can get without proof of ACA production. When you do start selling volume, we’ll bump you up higher.

We’ll lay it all out for you below. We have nothing to hide.

Disclaimer:
The commission schedules provided below are for informational purposes only and are subject to change at any time by the insurance companies.

aetna

Aetna CVS Health Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2/1/2022

AZ FL GA MO NC NV TX VA
New, Renewal & SEP $20 $28 $22 $20 $25 $18 $25 $20

Ambetter

Ambetter Individual & Family Plans (On-Exchange)
Per member per month (pmpm) Commission Schedule
Last Updated: 3/8/2021

AR AZ FL GA IL IN KS KY LA MI MS MO
New & Renewal $18 $20 $30 $30 $25 $20 $20 $20 $20 $25 $20 $20
SEP $18 $20 $30 $30 $25 $20 $20 $20 $20 $25 $20 $20
NE NJ NM NV NH NC OH OK PA SC TN TX WA
New & Renewal $20 $20 $20 $25 $20 $25 $20 $25 $25 $30 $20 $25 $25
SEP $20 $20 $20 $25 $20 $25 $20 $25 $25 $30 $20 $25 $25

Anthem

Anthem Individual & Family Plans (On-Exchange)
Per member per month (pmpm) Commission Schedule in most states. *CT, IN, and WI have a 2 member cap per policy, ME has a 3 member cap per policy, MO has a 1 member cap per policy, NH has a 4 member cap per policy, NV must have a minimum of 10 members, KY is a 1 time pay out in July, and VA is per contract
Last Updated: 3/1/2022

CA CO CT* GA* IN* KY* ME*
New & Renewal $15 $10 $15 $10 $5/$7 $140/$100 $14
SEP $15 $10 $0 $10 $0 $0 $14
MO* NH* NV* NY OH* VA* WI*
New & Renewal $20/$15 $23/$17 $16 $0 $18 $12 $21/$12
SEP $0 $0 $16 $0 $0 $12 $0

BlueCross BlueShield of Texas

Blue Cross and Blue Shield of Texas Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2/1/2022

BlueAdvantage Plans MyBlue Plans
New, Renewal & SEP $25 $20

Bright Healthcare

Bright HealthCare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 6/21/2022

AL AZ CA CO FL GA IL NE
New, Renewal & SEP $18 $20 $18 $20 $30 $20 $25 $20
NC OK SC TN TX UT VA
New, Renewal & SEP $25 $20 $20 $20 $22 $19 $18

CareSource

CareSource Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 3/1/2022

GA IN OH KY WV
New & Renewal $19 $19 $19 $16 $16

CHRISTUS Health

CHRISTUS Health Individual & Family Plans
Percentage of Premium Commission Schedule
Last Updated: 2/1/2022

LA TX
New, Renewal & SEP 4.5% of premium 4.5% of premium

Cigna

Cigna Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2/1/2022

AZ CO FL GA IL KS MS
New & SEP $18 $18 $25 $25 $18 $16 $22
Renewal $18 $18 $25 $18 $16
MO NC PA TN UT VA
New & SEP $18 $25 $20 $20 $18 $20
Renewal $18 $20 $20 $16 $20

Friday

Friday Health Plans Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2/1/2022

CO GA NV NM NC OK TX
New, Renewal & SEP $22 $25 $26 $22 $25 $24 $26

Medica

Medica Individual & Family Plans
Per policy per month (pppm) Commission Schedule
Last Updated: 10/31/2021

MN ND WI IA NE AZ KS MO OK
New & Renewal $15 $15 $15 $18 $18 $21 $21 $21 $21

Molina Healthcare

Molina Healthcare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 6/21/2022

CA FL ID IL KY MI MS
New & SEP $20 $22 $15 $20 $20 $25 $20
Renewal $20 $19 $15 $20 $20 $20 $20
NM OH SC TX UT WA WI
New & SEP $25 $15 $21 $20 $20 $15 $15
Renewal $25 $13 $21 $20 $15 $15 $15

Oscar

Oscar Health Individual & Family Plans
Per member per month (pmpm) Commission Schedule in all states but NJ. * New Jersey is per contract per month.
Last Updated: 6/29/2022

AR AZ CA CO FL GA IA IL KS MI
New, Renewal & SEP $18 $20 $18 $20 $30 $30 $20 $25 $20 $20
MO NC NE NJ* OH OK PA TN TX VA
New, Renewal & SEP $20 $25 $20 $20 $18 $20 $20 $18 $25 $18

United Healthcare

UnitedHealthcare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2/1/2022

AL AZ FL GA IL LA MD
New, Renewal & SEP $15 $20 $25 $20 $25 $25 $15
MI NC OK TN TX VA WA
New, Renewal & SEP $20 $25 $20 $20 $25 $15 $15

Free Lead LOA Program

For those who are looking to just sell with NO lead cost, we have a way to get you to 6 figures of residual income within a year.

We provide you free leads and daily support/training with our ACA captain, Aaron. We will absolutely FLOOD you with leads and expect you to enroll 10+ members daily. If that seems like a lot, it’s not with our leads, system and training. Agents are writing 20+ members per day. We’ll help you get there.

We’ll pay you $5 PMPM with bonuses based on enrollments. If you enroll 100 members in a month..$1,000 bonus. 200 members? $2,000 bonus. 300 members? $3000 bonus. The kicker, that $5 PMPM gets paid to you directly.

So if you wrote 200 members in a month (9 members enrolled per working day), you’d get $1,000/mo in residual commissions paid by the carriers + a $2000 bonus. Write 200 members every month for 9 months (we’ll include some falling off) and there’s your 6 figure renewal stream.

Even if you stop working, the residuals will remain.

This opportunity is only for those willing to work full time. You’ll report to your manager every morning who will help train, support and keep you accountable.

Next Steps

Schedule a call with our ACA Director, Aaron Arenbart below.