2025 ACA CARRIER COMMISSION SCHEDULE FOR AGENTS AND BROKERS
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Health Insurance Agent ACA Commissions For Agents’ Earnings.
FAQs & Schedule 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 complete details. ACA Health Insurance Commissions, Rates & Payments – Frequently Asked Questions. Health Insurance Sales Commissions: What Agents Need to Know
How much do ACA agents earn per member?
ACA health insurance commissions are typically paid on a per member per month (PMPM) basis. Rates vary by carrier and state but usually range between $20 and $30 PMPM for new members. Some carriers pay reduced or no commissions for renewals, while others maintain the same PMPM rate.
Do ACA agents get renewal commissions?
Yes — most carriers pay renewal commissions, but the amount varies. Some pay the same PMPM as new business, while others reduce renewal payouts. For example, Ambetter may pay $25–30 PMPM for new members but a lower rate for renewals depending on the state.
Which ACA carrier pays the highest commissions?
This changes by market and year. In 2025, carriers like Ambetter, Cigna, and Molina are among the more competitive, often paying $25–30 PMPM for new members. The highest-paying carrier in your state depends on carrier participation, plan competitiveness, and bonus programs.
Do terminated or non-effectuated members count toward commissions?
No — commissions are paid only on effectuated members, meaning the member must pay their first premium and remain active. Non-effectuated and terminated members do not generate PMPM payouts, and retroactive cancellations may result in chargebacks.
2025 Carrier Statement Processed Payment Dates
Benavest – Commissions Processed January 2025
Benavest – Commissions Processed February 2025
Benavest – Commissions Processed March 2025
Benavest – Commissions Processed April 2025
Benavest – Commissions Processed May 2025
Benavest – Commissions Processed June 2025
Benavest – Commissions Processed July 2025
Benavest – Commissions Processed August 2025
Benavest – Commissions Processed September 2025
Benavest – Commissions Processed October 2025
Benavest – Commissions Processed November 2025
Benavest – Commissions Processed December 2025
Aetna CVS Health
Per member per month (pmpm) Commission Schedule
Last Updated: 10/22/2024
Alliant Health
Per member per month (pmpm) Commission Schedule
Last Updated: 05/23/2025
Ambetter
Per member per month (pmpm) Commission Schedule
Last Updated: 10/28/2024
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: 10/29/2024
Antidote Health
Per member per month (pmpm) Commission Schedule
Last Updated: 10/29/2024
AvMed
Per member per month (pmpm) Commission Schedule
Last Updated: 10/26/2024
BCBS AZ, IL & MO
Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 11/20/2024
BCBS MI, MT, NE, NM, OK & TX
Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 11/20/2024
BCBS NC
Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2024
BCBS SC
Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2024
CareFirst Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 11/20/2024
Caresource Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 11/20/2024
Cigna Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/08/2024
Imperial Health Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2025
Kaiser Permanente Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2024
Medica Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2024
Molina Healthcare Marketplace Commission
Per member per month (pmpm) Commission Schedule
Last Updated: 9/27/2024
Oscar Individual & Family Plans
Per member per month (pmpm) Commission Schedule in all states but NJ. * New Jersey is per contract per month.
Last Updated: 10/23/2024
Priority Health Individual & Family Plans
Per member per month (pmpm) Commission Schedule.
Last Updated: 1/1/2025
Quartz Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/31/2024
Select Health Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2024
Summacare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 2025
UnitedHealthcare Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 9/06/2024
BCBS TN Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/06/2025
Wellpoint Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/28/2024
University of Utah Individual & Family Plans
Per member per month (pmpm) Commission Schedule
Last Updated: 10/06/2025
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 BenaVest Agent 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.
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