ACA
Write over 10 ACA apps Over The Phone… DAILY!
- $2 Exclusive, Real-Time Low Income ACA Leads
- All the major ACA carriers at top level contracts (see commission levels below!)
- Proprietary CRM to dial and work your leads
- Live training and daily support
Some of our ACA Carriers
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 – Health Sherpa 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 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 10% 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: Discounted Leads
We’ve established strong partnerships with top TCPA compliant lead vendors to provide you with discounted ACA leads.
Our commitment to offering discounted ACA leads means you can maximize your marketing budget without compromising on lead quality.
We understand the importance of cost-efficiency in your business, and we’re here to help you achieve your goals without breaking the bank.
We’ve simplified the lead acquisition process to save you time and effort. With just a few clicks, you can access a steady stream of ACA leads and keep your sales pipeline full.
We work closely with our vendors to understand your unique needs and preferences. Whether you’re looking for specific targeting, focus, or other criteria, we can provide tailored lead solutions to match your requirements.
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 CVS Health Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/23/2023
| AZ | CA | DE | FL | GA | IN | IL | KS | MD | |
|---|---|---|---|---|---|---|---|---|---|
| New, Renewal & SEP | $20 | $20 | $20 | $25 | $25 | $20 | $20 | $20 | $20 |
| MO | NV | NJ | NC | OH | TX | UT | VA | |
|---|---|---|---|---|---|---|---|---|
| New, Renewal & SEP | $20 | $20 | $20 | $25 | $20 | $25 | $25 | $20 |
Ambetter Individual & Family Plans (On-Exchange)
Per member per month (pmpm) Commission Schedule
Last Updated: 10/25/2023
| AL | AR | AZ | DE | FL | GA | IL | IN | KS | KY | LA | MI | MS | MO | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| New & Renewal | $20 | $18 | $20 | $20 | $30 | $30 | $25 | $20 | $20 | $20 | $30 | $25 | $20 | $20 |
| SEP | $20 | $18 | $20 | $20 | $30 | $30 | $25 | $20 | $20 | $20 | $30 | $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 | $30 | $30 | $20 | $25 | $25 |
| SEP | $20 | $20 | $20 | $25 | $20 | $25 | $20 | $25 | $30 | $30 | $20 | $25 | $25 |
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: 11/9/2023
| CA | CO | CT* | GA | IN* | KY* | ME* | |
|---|---|---|---|---|---|---|---|
| New & SEP | $15 | $18 | $18 | $20 | $20 | $25 | $20 |
| Renewal | $15 | $18 | $18 | $20 | $20 | $25 | $20 |
| MO* | NH* | NV* | NY | OH | VA* | WI* | |
|---|---|---|---|---|---|---|---|
| New & SEP | $20 | $23 | $22 | 0 | $20 | $20 | $20 |
| Renewal | $18 | $20 | $22 | 0 | $20 | $20 | $20 |
AvMed Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2023
| AvMed Plans | |
|---|---|
| New, Renewal & SEP | $28/mo |
Blue Cross and Blue Shield of Texas Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2023
| BlueAdvantage Plans | MyBlue Plans | |
|---|---|---|
| New, Renewal & SEP | $25 | $20 |
CareSource Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/27/2023
| GA | IN | OH | KY | WV | |
|---|---|---|---|---|---|
| New & Renewal | $22 | $25 | $21 | $25 | $20 |
Cigna Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/18/2023
| AZ | CO | FL | GA | IL | IN | MS | |
|---|---|---|---|---|---|---|---|
| New & SEP | $18 | $20 | $27 | $22 | $18 | $22 | $22 |
| Renewal | $18 | $18 | $27 | $22 | $18 | $24 | $22 |
| NC | PA | SC | TN | TX | UT | VA | |
|---|---|---|---|---|---|---|---|
| New & SEP | $25 | $15 | $12 | $20 | $25 | $18 | $20 |
| Renewal | $22 | $15 | $12 | $22 | $25 | $18 | $20 |
HAP Plans Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/6/2023
| OEP | SEP | |
|---|---|---|
| First Year | 6% | 6% |
| Second Year | 3% | 3% |
| Third Year | 2% | 2% |
HealthFirst Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/23/2023
| HealthFirst Plans | |
|---|---|
| New, Renewal & SEP | $30/mo |
McLaren Plans Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 9/13/2023
| McLaren Plans | |
|---|---|
| New Business | 5% |
| Renewals | 2% |
Medica Individual & Family Plans
Per policy per month (pppm) Commission Schedule
Last Updated: 10/31/2023
| AZ | IA | OK | MN | ND | WI | IL | MO | ND | KS | |
|---|---|---|---|---|---|---|---|---|---|---|
| New & Renewal | $18 | $18 | $18 | $15 | $15 | $15 | $18 | $18 | $20 | $21 |
Molina Healthcare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/18/2023
| CA | FL | ID | IL | KY | MI | MS | NV | NM | OH | SC | TX | UT | WA | WI | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| New, Renewal & SEP | $20 | $25 | $13 | $20 | $18 | $24 | $18 | $16 | $17 | $16 | $19 | $22 | $19 | $15 | $16 |
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: 10/30/2023
| AZ | FL | GA | IL | IA | KS | MI | MO | NC | |
|---|---|---|---|---|---|---|---|---|---|
| New, Renewal & SEP | $20 | $25 | $25 | $25 | $20 | $20 | $20 | $20 | $25 |
| NE | NJ* | OH | OK | PA | TN | TX | VA | |
|---|---|---|---|---|---|---|---|---|
| New, Renewal & SEP | $20 | $20 | $18 | $20 | $20 | $18 | $25 | $18 |
Priority Health Plans Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/26/2023
| Priority Health Plans | |
|---|---|
| New Business | 5% |
| Renewal effective 1/1/19 & after | 4% |
| Renewal effective 12/1/18 & before | 2% |
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 |
Next Steps
Schedule a call with our ACA Director, Aaron Arenbart below.