How to become an ACA health insurance agent

Helping families enroll in Affordable Care Act (ACA) Marketplace plans is one of the fastest ways to build a book of business. Here is the path most of our agents follow.

1. Get your health license

Every state requires a Health (or Life & Health) producer license. You take a pre-licensing course, pass the state exam, and apply through your state's insurance department or NIPR. Most agents finish in two to four weeks.

2. Get your NPN and E&O

Once licensed you receive a National Producer Number (NPN). Next, buy errors & omissions (E&O) insurance. Carriers and the Marketplace require it.

3. Complete FFM certification

To sell on HealthCare.gov you complete the yearly CMS Marketplace (FFM) registration and training. It opens before each Open Enrollment.

4. Get appointed with carriers

Carriers must appoint you before you can write their plans. Through our network you request appointments in one place, and our contracting team handles the paperwork.

5. Start enrolling

With your own quote page, training and daily live coaching, you can start helping clients right away, especially during Open Enrollment (November 1 to January 15 in most states).

Ready to start? Join the network and the Agent Launchpad walks you through every step.