2022 ACA Commission Schedules & Bonuses

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Disclaimer:

The commission schedules provided below are for informational purposes only and are subject to change at any time by the insurance companies. Please see your producer agreement with the respective insurance company for full details.


Broker Compensation Disclosures:

On December 27, 2020, The Consolidated Appropriations Act was signed into law by Congress which, in part, mandates greater transparency to health care cost information, including broker compensation. All agents and brokers are now required to disclose direct (eg., commission) and indirect (eg., bonus contests) compensation information to consumers. The total amount of compensation must be disclosed verbally prior to the consumer finalizing plan selection. In most cases, the information will also be communicated by the insurance carrier in the consumer's Welcome Kit.


Broker Compensation Disclosure Talking Points

To assist you with disclosing the required compensation information to the consumer, please contact Agility Producer Support for sample talking points. The exact compensation amounts (direct pay) are listed by carrier below. Links to the 2022 Bonus Programs (indirect pay) can be viewed by clicking the '2022 Bonus Programs' button below. You must review the talking points with your clients for every Individual and Family Plan sale.

2022 Bonus Programs

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 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 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

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 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 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 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 Individual & Family Plans

Per member per month (pmpm) Commission Schedule

Last Updated: 10/12/2022

  AZ CO FL GA IL IN KS MS
New & SEP $18 $20 $27 $27 $18 $22 $15 $22
Renewal $18 $18 $27 $27 $18 - $15 $22
  MO NC PA SC TN TX UT VA
New & SEP $15 $25 $20 $24 $20 $25 $18 $20
Renewal $15 $22 $20 - $20 - $16 $20

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 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 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 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

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

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