// ACA · MARKETPLACE · 2027 //
ACA Command Center
Map the carriers, get certified, and get contracted. Everything you need to launch ACA business, in one mission control.
01 / GUIDEACA Guidebook
The Agent's Playbook for ACA & Under 65 Success. Get contracted, aligned, paid, and ready to sell.
02 / CERTIFYACA Certification (CMS)
Official CMS registration and training for Marketplace agents.
03 / CONTRACTTopFlight ACA Contracting
Fill out the BenaVest form, then watch for their email.
Contract Now →
04 / GET PAIDACA Commission Vault
2026 broker commissions by carrier and state, new and renewal.
View Commissions →
05 / QUOTE & ENROLLQuote and Enroll on the Federal Exchange
Quote and enroll clients through HealthSherpa. New to HealthSherpa? Use this link to sign up. Already have an account? Enter the join code below from your settings page.
JOIN CODE669F
Sign Up for HealthSherpa →STATE-BASED EXCHANGES · 2027 PLAN YEAR
State Exchange Certification
These 22 states run their own marketplace instead of HealthCare.gov. Agents need each state's own certification to sell there. Pick a state to see its requirements. Updated September 29, 2026.
CAOpen to new agents
Covered California
California
REQUIREMENTS
- ▸California license validated with the Department of Insurance (allow 3–5 business days)
- ▸Online certification courses and exam in Covered California's LMS
- ▸Agency of one or more needs an agency manager; downline agents sign the Non-Monetary Agreement
- ▸Small-business-only certification is a separate track (CCSB)
Agent Service Center: (877) 453-9198
// 2026 PLAN YEAR · POWERED BY BENAVEST //
ACA Commission Vault
Broker commissions per member per month, by carrier and state. New business and renewals, all in one place.
CARRIERS
6
STATE RATES
114
TOP PMPM
$32
| CARRIER | STATE | NEW | RENEWAL |
|---|---|---|---|
| Ambetter | AL | $20 | $20 |
| Ambetter | AR | $18 | $18 |
| Ambetter | AZ | $20 | $20 |
| Ambetter | DE | $20 | $20 |
| Ambetter | FL | $30 | $30 |
| Ambetter | GA | $30 | $30 |
| Ambetter | IA | $20 | $20 |
| Ambetter | IL | $25 | $25 |
| Ambetter | IN | $20 | $20 |
| Ambetter | KS | $20 | $20 |
| Ambetter | KY | $20 | $20 |
| Ambetter | LA | $30 | $30 |
| Ambetter | MI | $21 | $21 |
| Ambetter | MO | $20 | $20 |
| Ambetter | MS | $20 | $20 |
| Ambetter | NC | $25 | $25 |
| Ambetter | NE | $20 | $20 |
| Ambetter | NH | $20 | $20 |
| Ambetter | NJ | $20 | $20 |
| Ambetter | NV | $25 | $25 |
| Ambetter | OH | $20 | $20 |
| Ambetter | OK | $25 | $25 |
| Ambetter | PA | $30 | $30 |
| Ambetter | SC | $30 | $30 |
| Ambetter | TN | $20 | $20 |
| Ambetter | TX (Premier plan) | $25 | $25 |
| Ambetter | TX (Value plan) | $20 | $20 |
| Ambetter | WA | $25 | $25 |
| Anthem | CA | $15 | $15 |
| Anthem | CO | $18 | $18 |
| Anthem | CT | $10 | $10 |
| Anthem | GA | $20 | $20 |
| Anthem | IN | $20 | $20 |
| Anthem | KY | $25 | $25 |
| Anthem | ME | $20 | $20 |
| Anthem | MO | $20 | $20 |
| Anthem | NH | $23 | $20 |
| Anthem | NV | $22 | $22 |
| Anthem | OH | $20 | $20 |
| Anthem | VA | $20 | $20 |
| Anthem | WI | $15 | $15 |
| Cigna | AZ | $22 | $25 |
| Cigna | CO | $20 | $25 |
| Cigna | FL | $27 | $32 |
| Cigna | GA | $15 | $25 |
| Cigna | IL | $22 | $25 |
| Cigna | IN | $22 | $27 |
| Cigna | MS | $22 | $27 |
| Cigna | NC | $25 | $30 |
| Cigna | TN | $22 | $27 |
| Cigna | TX | $15 | $25 |
| Cigna | VA | $22 | $27 |
| Molina | CA | $10 | $10 |
| Molina | CT | N/A | $18 |
| Molina | FL | N/A | $27 |
| Molina | ID | $13 | $13 |
| Molina | IL | N/A | $25 |
| Molina | KY | $20 | $20 |
| Molina | MI | N/A | $24 |
| Molina | MS | $22 | $22 |
| Molina | NM | $7 | $17 |
| Molina | NV | $16 | $16 |
| Molina | OH | N/A | $22 |
| Molina | SC | N/A | $27 |
| Molina | TX | N/A | $25 |
| Molina | UT | $20 | $20 |
| Molina | WA | N/A | $20 |
| Molina | WI | N/A | $16 |
| Oscar | AL | $20 | $20 |
| Oscar | AZ | $20 | $20 |
| Oscar | FL | $25 | $25 |
| Oscar | GA | $25 | $25 |
| Oscar | IA | $20 | $20 |
| Oscar | IL | $25 | $25 |
| Oscar | KS | $20 | $20 |
| Oscar | MI | $20 | $20 |
| Oscar | MO | $20 | $20 |
| Oscar | MS | $20 | $20 |
| Oscar | NC | $25 | $25 |
| Oscar | NE | $20 | $20 |
| Oscar | NJ | $20 | $20 |
| Oscar | OH | $18 | $18 |
| Oscar | OK | $20 | $20 |
| Oscar | PA | $20 | $20 |
| Oscar | TN | $18 | $18 |
| Oscar | TX | $25 | $25 |
| Oscar | VA | $18 | $18 |
| UnitedHealthcare | AL | $20 | $20 |
| UnitedHealthcare | AZ | $20 | $20 |
| UnitedHealthcare | CO | $20 | $18 |
| UnitedHealthcare | FL | $27 | $27 |
| UnitedHealthcare | GA | $25 | $23 |
| UnitedHealthcare | IA | $18 | $16 |
| UnitedHealthcare | IL | $24 | $24 |
| UnitedHealthcare | IN | $15 | $15 |
| UnitedHealthcare | KS | $15 | $15 |
| UnitedHealthcare | LA | $25 | $23 |
| UnitedHealthcare | MD | $19 | $18 |
| UnitedHealthcare | MI | $19 | $17 |
| UnitedHealthcare | MO | $19 | $17 |
| UnitedHealthcare | MS | $19 | $17 |
| UnitedHealthcare | NC | $25 | $23 |
| UnitedHealthcare | NE | $20 | $18 |
| UnitedHealthcare | NJ | $19 | $17 |
| UnitedHealthcare | NM | $17 | $15 |
| UnitedHealthcare | OH | $20 | $18 |
| UnitedHealthcare | OK | $20 | $18 |
| UnitedHealthcare | SC | $23 | $21 |
| UnitedHealthcare | TN | $19 | $17 |
| UnitedHealthcare | TX | $25 | $25 |
| UnitedHealthcare | VA | $19 | $18 |
| UnitedHealthcare | WA | $18 | $16 |
| UnitedHealthcare | WI | $19 | $17 |
| UnitedHealthcare | WY | $18 | $16 |
Rates shown in dollars per member per month. N/A means not available for new business. Subject to carrier changes.
// INCOME · ELIGIBILITY · MAGI //
ACA Income Requirements
Subsidies are based on Modified Adjusted Gross Income (MAGI) compared to the Federal Poverty Level (FPL). Premium tax credits generally apply from 100% to 400% FPL. Expansion states cover Medicaid up to 138% FPL.
100–400%
FPL for Premium Tax Credits
≤ 250%
FPL for Cost-Sharing (Silver)
≤ 138%
FPL for Medicaid Expansion
01 / COUNTS
Income that counts toward MAGI
- ✓Wages, salaries & tips
All employment pay, including bonuses and commissions
- ✓Self-employment income
Net profit from business, freelance or contract work
- ✓Investment income
Interest, dividends, capital gains, rental income
- ✓Retirement income
Traditional IRA, 401(k), pension and annuity distributions
- ✓Taxable Social Security
The portion subject to federal income tax
- ✓Alimony received
For divorces finalized before 2019
- ✓Unemployment compensation
Benefits received while unemployed
- ✓Foreign earned income
Income earned while working abroad
- ✓Taxable scholarships & grants
Funding that exceeds qualified expenses
- ✓Farm income
Net profit from farming operations
02 / EXCLUDED
Income that does NOT count
- ✕SSI
Supplemental Security Income
- ✕Child support
Payments for dependent children
- ✕Gifts & inheritances
Money or property received
- ✕Workers' compensation
Work-related injury benefits
- ✕Veterans' benefits
VA disability and assistance
- ✕Life insurance proceeds
Death benefits to beneficiaries
- ✕Welfare benefits
TANF, SNAP, public assistance
- ✕Roth IRA distributions
Qualified Roth withdrawals
- ✕Tax-exempt interest
Municipal bonds (added back for MAGI)
- ✕Non-taxable scholarships
Grants used for tuition and fees
- ✕Foster care payments
Payments for foster children
- ✕Loans
Student, personal or any borrowed money
03 / FPL
2026 Federal Poverty Level Guidelines
48 contiguous states and D.C. Alaska and Hawaii have higher thresholds. 2026 income is used for Medicaid and CHIP; the previous year's income sets Marketplace savings for the next year.
| Household | 100% FPL | 138% FPL (Medicaid) | 400% FPL |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $63,840 |
| 2 | $21,640 | $29,863 | $86,560 |
| 3 | $27,320 | $37,702 | $109,280 |
| 4 | $33,000 | $45,540 | $132,000 |
| 5 | $38,680 | $53,378 | $154,720 |
| 6 | $44,360 | $61,217 | $177,440 |
| 7 | $50,040 | $69,055 | $200,160 |
| 8 | $55,720 | $76,894 | $222,880 |
Households over 8: add $5,680 per additional person at 100% FPL.
SOURCE · HEALTHCARE.GOV FPL ↗04 / 100–400% FPL
Premium Tax Credits
Lowers the monthly premium on a sliding scale. Lower income means a larger credit. Upper income limits were temporarily removed and extended through 2025.
05 / 100–250% FPL
Cost-Sharing Reductions
Lowers deductibles, copays and coinsurance. Available only on Silver-level plans.
06 / ≤ 138% FPL
Medicaid Expansion
Little to no cost coverage in expansion states. As of 2025, 40 states and D.C. have expanded Medicaid.
Savings balances are not income. Only interest or investment earnings on them count. $100,000 in savings: the interest counts, the principal does not.
KEY POINTS
- ▸Income is based on MAGI, not take-home pay
- ▸Clients estimate income for the coverage year when applying
- ▸Differences are reconciled when filing taxes
- ▸Report major income changes to the Marketplace within 30 days
- ▸Alaska and Hawaii use higher FPL thresholds
- ▸Household = client, spouse, and dependents claimed on the tax return