2025 ACA Commission Schedules & Bonuses

Commission Schedules 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.

Other Pages Related to ACA Commissions:

Aetna CVS Health
Per member per month (pmpm) Commission Schedule
Last Updated: 10/23/2023

Ambetter
Per member per month (pmpm) Commission Schedule
Last Updated: 10/25/2023

AmeriHealth Caritas
Per member per month (pmpm) Commission Schedule
Last Updated: 11/20/2023

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

AvMed
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2023

Blue Cross and Blue Shield of Arizona Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 6/12/2024

Blue Cross and Blue Shield of Illinois Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2023

Blue Cross and Blue Shield of Michigan Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 11/28/23

Blue Cross and Blue Shield of Montana Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2023

Blue Cross and Blue Shield of South Carolina Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 11/28/2023

Blue Cross and Blue Shield of Texas Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2023

CareSource Individual & Family Plans

Per member per month (pmpm) Commission Schedule

Last Updated: 10/27/2023

CHRISTUS Health Individual & Family Plans
Percentage of Premium Commission Schedule
Last Updated: 11/28/23

Cigna Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/18/2023

HAP Individual & Family Plans

Per member per month (pmpm) Commission Schedule

Last Updated: 10/06/2023

HealthFirst Health Plans

Per member per month (pmpm) Commission Schedule

Last Updated: 10/23/2023

Medica Individual & Family Plans

Per member per month (pmpm) Commission Schedule up to 5 members in all states but KS and MO which are per contract per month.

Last Updated: 10/31/2023

McLaren Health Plan Marketplace Commission
Per member per month (pmpm) Commission Schedule
Last Updated: 09/13/2023

Molina Healthcare Marketplace Commission
Per member per month (pmpm) Commission Schedule
Last Updated: 10/18/2023

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

Priority Health Marketplace Commission
Per member per month (pmpm) Commission Schedule
Last Updated: 10/26/2023

UnitedHealthcare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 9/06/2024

Broker Compensation Disclosures:

On December 27, 2020, The Consolidated Appropriations Act was signed into law 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 above. Links to the Bonus Programs (indirect pay) can be viewed by clicking the 'Bonus Programs' button above. You must review the talking points with your clients for every Individual and Family Plan sale.