ACA and under-65 health, with a command center.

Topflight agents contract ACA carriers through BenaVest, quote and enroll on HealthSherpa with the Topflight join code, and get state-by-state certification steps for every state that runs its own exchange.

Topflight ACA guidebook cover
Carrier and state commission rates in the ACA vault
114Carrier and state commission rates in the ACA vault
State-based exchanges mapped step by step
22State-based exchanges mapped step by step
Major ACA carriers with published 2026 rates
6Major ACA carriers with published 2026 rates

ACA Command Center

Certification, commissions, contracting and subsidy math on one page, updated every plan year.

HealthSherpa enrollment

Quote and enroll on the federal exchange with the Topflight join code.

State exchange guides

Requirements, status and agent service contacts for all 22 state-based Marketplaces.

Getting certified to sell Marketplace plans

Every agent completes the CMS Federally-facilitated Marketplace registration and training at cms.gov. If you sell in one of the 22 states that run their own Marketplace, you also complete that state’s certification. The location pages on this site show which path applies in each state.

  • Ambetter, Anthem, Cigna, Molina, Oscar and UnitedHealthcare commissions by state, new business and renewal
  • Federal Poverty Level thresholds at 100%, 138% and 400% by household size
  • MAGI income rules for premium tax credit eligibility
  • ACA carrier blackout periods for new contracts and transfers

Why agents add ACA to a Medicare book

Under-65 clients age into Medicare. Families need dental, life and final expense. An ACA book feeds every other product line, and the Open Enrollment window from November 1 to January 15 sits right beside the Medicare Annual Enrollment Period.

How it works

  1. 1

    Certify

    Complete CMS FFM training and any state exchange certification.

  2. 2

    Contract

    Submit the BenaVest contracting form linked in the Command Center.

  3. 3

    Connect

    Join HealthSherpa with the Topflight code.

  4. 4

    Enroll

    Quote, apply and service clients through the plan year.

Questions agents ask

Still unsure? Email support@topflightagent.com and a real person answers.

How do I get certified to sell ACA Marketplace plans?

Complete the CMS Federally-facilitated Marketplace registration and training at cms.gov. Agents in the 22 state-based exchange states also need that state’s own certification.

How much do carriers pay for ACA business?

Commissions are paid per member per month and vary by carrier and state. The ACA Command Center lists 2026 new business and renewal rates for Ambetter, Anthem, Cigna, Molina, Oscar and UnitedHealthcare.

Which income counts toward ACA subsidies?

Modified Adjusted Gross Income: wages, self-employment, investment, retirement and taxable Social Security income count. SSI, child support, gifts, workers’ compensation and loans do not.

Ready to fly higher?

Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.