The IRS just made a final ruling regarding the ACA “Family Glitch”. Here’s everything you need to know about it as a health insurance agent, and what this will mean for your customers.

The Final Rule addresses the “family glitch” in the Affordable Care Act by basing the affordability of employer-sponsored coverage for a family member on the cost of family coverage, rather than self-only coverage. 

This means that some dependents who have or have eligibility for a premium tax credit or for group health plan coverage may now be eligible for premium tax credits to purchase a subsidized Marketplace plan and may switch their coverage as a result, if permitted by plan rules. 

Starting in 2023, family members who currently do not meet the qualifications for premium tax credits may become eligible when purchasing health insurance through the Health Insurance Marketplace. This change does not affect the employer mandate penalty. 

Producers can help members who may be newly eligible for premium tax credits or refer them to another health insurance agent/broker qualified to sell health insurance plans through the Marketplace for more assistance. 

Group producers who want to help members get individual coverage must meet certain requirements, including registration, training completion, and agreement signing. 

Are you contracted yet to enroll your consumers in ACA health insurance plans?

Agility Producer Support
(866) 590-9771

Enroll in different plans on the same application

With Multiple Enrollment Groups, it’s easy to place applicants in different plans on the same application. 


When it may be useful to select multiple plans for a single application

  • When applicants have different health needs

  • When applicants have different provider needs

  • When applicants have different prescription drug needs

Summary of how it works

  • After filling out the application, you’ll be able to shop different plans for different applicants

  • Applicants on their own plan have their own separate premium payment, deductible, out-of-pocket max.

  • If any applicants are on the same plan, they’ll be in a “group” – on the same premium payment, family deductible, and family out-of-pocket max.

  • The subsidy for the household will be portioned out between applicants using a formula from CMS. If an applicant doesn’t use all of their subsidy portion, it goes to the other applicants.

How to access Multiple Enrollment Groups

You’ll have access to shop Multiple Enrollment Groups after you’ve done the application, not during Quoting.

The easiest way to access Multiple Enrollment Groups is through our EDE application flow – but it’s also possible on the double-direct application flow.

At the end of the EDE flow, you’ll reach the Eligibility Results page. If you haven’t already chosen a plan, you’ll see the “Shop Multiple Plans” button at the bottom.

You’ll also always have access to shop multiple plans from the final Confirm Plans page. (This is where you’ll see the link for the first time if you’ve done a double-redirect application.)

If you haven’t already selected multiple plans, you can do so here with the “Shop multiple plans” button. If you have already selected multiple plans, you can edit the plans with the “Change plans” button.

Group shopping

When you click the Shop Multiple Plans button, you’ll land here on the Group Shopping page. First, select which applicants you’d like to shop for, then press “Choose a plan.”

From there you’ll be taken to the Plan List where you can shop plans for those selected applicants. As you shop, you’ll see the subsidy portion for those particular applicants applied to the plans (using the per-applicant subsidy formula from CMS). Add the chosen plan to your cart and press “Choose plan” from the cart to be taken back to the Group Shopping page.

Any applicants that have the same plan selected will be put into a “group” – meaning the same premium payment, family deductible, and family out-of-pocket max (just like normal). This grouping is made more clear on the Confirm Plans page.

Once you’ve shopped for everyone, click “Continue” to proceed to the Confirm Plans page, where you’ll see all the plans and groupings you’ve selected.


Here’s how multiple plans appear in your Dashboard after the enrollment is done.

  • After you submit the enrollment, on the Success page, you’ll see multiple payment buttons – one per group.

  • On the Client Profiles, you’ll also see multiple payment buttons – one per group.

  • On the Client Profiles, all “Change plans” buttons will point to the Group Shopping page.

  • On the Client List, you’ll see the plan selected by the primary applicant. Click into the Client Profile to see all the plans.


  • The subsidy for the household will be portioned out between applicants using a formula from CMS – mostly determined by age of applicant.

  • When you shop for multiple plans, you’ll see the subsidy portion for the applicants you’re shopping for only.

  • If particular applicants don’t use all of their subsidy, that overflow subsidy is applied to other applicants. This overflow subsidy is only visible once you get to the Confirm Plans page – it’s not visible during shopping.


  • If the primary applicant’s plan qualifies as a referral, all plans chosen will refer. If it doesn’t, then none will. This is necessary because CMS only allows a single AOR per application.

Edge cases

Here are how certain rare scenarios are handled:

  • People who live in different zip codes can’t shop the same plans, and therefore can’t be in a group together.

  • Some plans have special rules that prevent certain people from being in the same group. For example, some may require that applicants reside together to be in a group together. In these cases, we’ll just split them into different groups automatically, while still allowing them to enroll in the plans. If this happens, you’ll see it in the groupings that show on the Confirm Plans page.

  • If you want to use Multiple Enrollment Groups on an application, you can’t choose a Catastrophic plan for anyone on the application. This is a CMS rule.

  • If you’re enrolling people in a group where some people qualify for CSR and other’s don’t, then the whole group won’t get a CSR – this is a CMS rule.

Agility Producer Support
(866) 590-9771

Update to Healthcare Policy (June 2021):

Google has announced a new certification program for health insurance advertisers to
aid in curbing misinformation or fraud. This special certification will
be required for ACA health insurers or third-party brokers who want to
run Google Ads. Brokers will need to provide documentation showing they are permitted under state law to sell health insurance. 


Beginning May 3rd, 2021, brokers can apply for certification. Certification must be completed by June 2nd, 2021. If certification is not completed by June 2nd, Google will no longer be able to serve their ads.


You can Read Full Google Ad Policy Here >

Agility Producer Support
(866) 590-9771

Hello Broker Partners,
Molina’s premium payment portals have transitioned to our new vendor HealthPlan Services (HPS).

Please review our new Payment Guide for more information about our revamped payment platform and user flow.

New Molina Payment Guide

We are not currently able to take payments through our MyMolina member portal, but the functionality should be available again soon. Also, recent enrollment changes and payment updates are not reflecting on some members accounts yet. Please check back on their accounts tomorrow. Additionally, please let us know if you run into any other issues with the updated functionality.


We appreciate your patience as we upgrade our Enrollment, Premium Billing and Payment systems.


Agility Producer Support
(866) 590-9771


COMMISSION: $100 per Member

Qualifications & Details:

  • Must enroll a minimum of 5 new members to be eligible for the bonus.
  • Bonus is on every new member sold, once a minimum of 5 have been effectuated
  • Bonus is retroactive and applies to effective dates of March 1st through September 1st, 2021. Policies must be bound by September 1st to qualify
  • Bonus will be calculated for a one-time payment in September and paid in October



  • Transfers between Individual plans, and accounts transferred due to change in broker of record.
  •  General Agents are excluded from this program and do not qualify for the bonus.

The writing agent must meet all compliance regulations and must be appointed in the state of Texas and be in good standing at the time of sale and bonus payment.  

Bonus payments are made payable to the Producer/Agency who receives standard commissions payments. No advance payments will be made. 

The terms and conditions of this commission schedule are subject to change at the sole discretion of Friday Health Plans and/or its designated representatives upon notice to the broker.  

Final interpretation of any or all provisions in this commission schedule, or resolution of any disputes arising from this compensation plan, rests solely with Friday Health Plans and/or its designated representatives.  

This provision is applicable to all insurance producers and insurance agencies over whom the Texas Division of Insurance has authority.  

Commissions will be paid only if agent/agency is licensed and in good standing with the State of TexasAppointment with Friday Health Plans must be current.  

See Friday Health Plans producer agreement for all for all terms and conditions pertaining to commission schedule.  

Friday Health Plans reserves the right to amend, change, or terminate this commission and bonus schedule as outlined in the Producer Agreement.




Agility Producer Support
(866) 590-9771

Bonus Program Extended!

Earn up to $200 per member for new enrollments
through August 15th, 2021!


Don’t miss the chance to enroll new and existing clients in more affordable coverage!

Learn how much your clients in Texas can save with the recent expansion of APTC subsidy eligibility. See below for an example of how the subsidy changes would impact a 40-year-old at 150% of the FPL on a Bronze Classic Next 2 Plan in each county of Texas.

 Click here to download the PDF with Full Details >


Get Contracted To Sell Oscar Today >

Agility Producer Support
(866) 590-9771

 President Biden announced that the Centers for Medicare & Medicaid
Services (CMS) is extending access to the Special Enrollment Period
(SEP) until August 15 – giving consumers additional time to take
advantage of new savings through the American Rescue

This action provides new and current enrollees an additional
three months to enroll or re-evaluate their coverage needs with
increased tax credits available to reduce premiums.

“Every American deserves access to quality, affordable health care –
especially as we fight back against the COVID-19 pandemic,” said HHS
Secretary Xavier Becerra. “Through this Special Enrollment Period, the
Biden Administration is giving the American people
the chance they need to find an affordable health care plan that works
for them. The American Rescue Plan will bring costs down for millions of
Americans, and I encourage consumers to visit and sign
up for a plan before August 15.”

As a result of the American Rescue Plan, additional savings will be
available for consumers through starting April 1. These
savings will decrease premiums for many, on average, by $50 per person
per month and $85 per policy per month. On average,
one out of four enrollees on will be able to upgrade to a
higher plan category that offers better out of pocket costs at the same
or lower premium compared to what they’re paying today. 

Consumers who want to access the SEP to enroll in coverage and see if
they qualify for financial help to reduce the cost of monthly premiums,
can visit
to view 2021 plans and prices and enroll in a plan that best meets their needs. Additionally, consumers can call the

Marketplace Call Center
at 1-800-318-2596, which provides assistance
in over 150 languages. TTY users should call 1-855-889-4325.  Consumers
can also find a local assister or agent/broker in their area:


Consumers who are eligible and enroll under the SEP will be able to
select a plan with coverage that could start as soon as the first month
after plan selection. Current enrollees will be able to change to any
plan available to them in their area. To take
advantage of the SEP, current enrollees should review their application
and make changes, if needed, to their current information and submit
their application in order to receive an updated eligibility result.

Additionally, beginning in early July on, consumers
who have received or have been determined eligible to receive
unemployment compensation for any week during 2021 may be able to get
another increase in savings when enrolling in new Marketplace
coverage or updating their existing Marketplace application and
enrollment. These savings to be made available starting in early July
for eligible consumers are in addition to the increased savings
available to consumers on starting April 1.

The SEP is currently available to consumers in the 36 states that use the
platform. Consumers served by State-based
Marketplaces that use their own platform can check their state’s website
to find out more information on Special Enrollment Periods in their

To see how the American Rescue Plan will bring down health care costs and expand on the Affordable Care Act, visit:

Still looking to get contracted with top carriers to expand your book of business?  Get ACA Contracting Here.




Agility Producer Support
(866) 590-9771


The following Commission Schedule shall apply to Oscar Individual Market policies in effect beginning January 1st, 2021 and shall remain in effect until terminated or replaced by Oscar in writing and within the Company’s sole discretion. The Commission Schedule for each respective market in effect at the time the commission is paid shall govern for the respective market.

Continue Reading Full Article: CLICK HERE

Or if you’re looking to Get Contracted With Oscar Health >>



Agility Producer Support
(866) 590-9771

Bright HealthCare is excited to offer our broker partners an opportunity to get paid every month with NO enrollment minimum on new 2021 business submitted and effectuated during the Special Enrollment Period. This new bonus is in addition to our 2021 Broker Bonus Program.


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