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Get familiar with the various ACA plans on the market.
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Have questions about what plans are competitive near you or working with Ritter? Connect with our Sales team!
Product Quick Facts
WHAT IS IT?
Under-65 health plans are available on and off the federal and state marketplaces. These plans can provide coverage for essential health benefits protected under the Affordable Care Act. Enrollees can often qualify for subisides to make coverage even more affordable!
WHEN TO SELL IT?
Open Enrollment Period (OEP): November 1 to January 15 on the federal exchange. Varies for state exchanges.
All Year Round: Special Enrollment Periods (SEPs) based on qualifying events
WHY SELL IT?
The FFM certification is free and allows you to extend your enrollment season, fuel your sales pipeline, and earn additional commissions! ACA commissions are earned per member, per month, and you can often write several household members. Add ACA products to your portfolio to help more individuals access affordable health coverage!
ACA/Under-65 Health Insurance Sales Training Resources from Ritter!
ACA 101: Selling Under-65 Health Insurance
We’re covering the ins and outs of the under-65 market. Understand the basics at first glance!
The Complete Guide to Selling Affordable Care Act Insurance Plans
If you’re looking to enter the under-65 health insurance market, make this guide your go-to resource. Understand ACA exchanges, what makes selling these plans easy, marketing and sales tips, and more. Print four resources to reach clients!
How Much Can Agents Make Selling Under-65 Insurance?
Curious about what commissions look like as an agent selling ACA plans? Check out what opportunities lie in your future selling marketplace plans!
Product Essentials
Discover what makes ACA plans unique and valuable to have in your portfolio.
How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training
Learn how to become certified to sell in the federal exchange with the FFM certification.Everything You Need to Know About the ACA OEP
For ACA insurance, the Open Enrollment Period can work differently from state to state. Let us explain!Everything Agents Need to Know About Selling in State-Based Marketplaces
A number of states operate through HealthCare.gov, but several states have their own exchanges, or SBMs.How to Help Clients Navigate ACA Marketplace Subsidies & Taxes
Many ACA clients qualify for subsidies and cost reductions. Help your clients navigate these and how to file their taxes.Steps to Get Ready for OEP: Federal & State Exchanges
Follow our annual suggestions on preparing for the ACA market’s OEP — wherever you’re selling!
Sales Advice
Get marketing tips and sales advice catered towards selling ACA plans to clients.
- Participate in Find Local Help
- Connect with your community
Community Engagement & ACA Marketing Suggestions for Agents
- Social media marketing suggestions
- Event marketing tips for agents
- Form partnerships
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans
- Differences between on- and off-exchange ACA plans
- Subsidy eligibility
- Enhanced Direct Enrollment information
Why Marketplace Agents Should Connect With Young Adults Turning 26
- Who is at risk of losing health care
- Why marketplace plans could be a great option
- How to market to this audience
8 Reasons Why Insurance Agents Should Sell ACA Plans
- Commissions details
- Market ACA plans to the whole family
- Certification information
Compliance Guidelines
Check out these blog posts and become familiar with ACA compliance regulations.
Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule
- Notable changes from the marketplace Final Rule
- How agents can navigate and grow from the changes
Agent Requirements for ACA Sales
- Collect consumer authorization with CMS templates
- Details about eligibility requirements
How Agents Can Protect Clients from Unauthorized ACA Plan Switching
- Identifying warning signs of unauthorized plan switches
- How to protect clients from being at risk
How Health Insurance Agents Can Stay TCPA Compliant
- TCPA regulations insurance agents must follow
- Opt-out requests and consent requirements
Industry Insights
Here’s the latest from the ACA market.
Start Selling ACA Plans