---
title: "ACA Command Center | Topflight Insurance Solutions"
description: "Topflight's ACA Command Center: interactive carrier map by state, the Marketplace Guidebook, CMS certification, and ACA contracting in one place."
url: https://topflightagent-demo.pages.dev/aca-command-center
dateModified: 2026-09-29
---

# ACA Command Center

// ACA · MARKETPLACE · 2027 //

Map the carriers, get certified, and get contracted. Everything you need to launch ACA business, in one mission control.

01 / GUIDE

## ACA Guidebook

The Agent's Playbook for ACA & Under 65 Success. Get contracted, aligned, paid, and ready to sell.

02 / CERTIFY

## ACA Certification (CMS)

Official CMS registration and training for Marketplace agents.

03 / CONTRACT

## TopFlight ACA Contracting

Fill out the BenaVest form, then watch for their email.

04 / GET PAID

## ACA Commission Vault

2026 broker commissions by carrier and state, new and renewal.

05 / QUOTE & ENROLL

## Quote and Enroll on the Federal Exchange

Quote and enroll clients through HealthSherpa. New to HealthSherpa? Use this link to sign up. Already have an account? Enter the join code below from your settings page.

JOIN CODE
669F
AI INTEGRATION · ACA

## Meet GIA

GIA is our AI assistant built for ACA. She answers your clients' Marketplace questions any time of day, so you can focus on enrolling and serving. Watch the recording to see GIA in action.

## STATE-BASED EXCHANGES · 2027 PLAN YEAR

### State Exchange Certification

These 22 states run their own marketplace instead of HealthCare.gov. Agents need each state's own certification to sell there. Pick a state to see its requirements. Updated September 29, 2026.

Open to new agents

#### Covered California

California

REQUIREMENTS

- ▸California license validated with the Department of Insurance (allow 3–5 business days)
- ▸Online certification courses and exam in Covered California's LMS
- ▸Agency of one or more needs an agency manager; downline agents sign the Non-Monetary Agreement
- ▸Small-business-only certification is a separate track (CCSB)
Agent Service Center: (877) 453-9198

Open to new agents

#### Connect for Health Colorado

Colorado

REQUIREMENTS

- ▸Colorado Accident & Health license, resident or non-resident
- ▸E-signed Producer's Agreement
- ▸New-broker coursework in the C4U LMS (roughly 17 hours in the last published overview)
Open to new agents

#### Access Health CT

Connecticut

REQUIREMENTS

- ▸Connecticut license, signed AHCT broker agreement, then training and assessment in the AHCT Learning Management System
- ▸Returning brokers take a shorter refresher path
Heads up:
Open to new agents

#### DC Health Link

District of Columbia

REQUIREMENTS

- ▸DC resident or non-resident health producer license
- ▸Appointments with each DC Health Link carrier before registering
- ▸Six hours of policy and system training through NABIP, then exam
- ▸Free for DC, MD and VA licensees; $79.99 for others. Captive producers are not eligible
Open to new agents

#### Georgia Access

Georgia

REQUIREMENTS

- ▸Georgia Accident & Sickness license
- ▸Plan Year 2027 certification training opened July 15, 2026; pass with 80% or higher
- ▸Create an Agent Portal profile, then enroll through the portal or an approved EDE partner
Open to new agents

#### Your Health Idaho

Idaho

REQUIREMENTS

- ▸Idaho license in good standing
- ▸Training modules in YHI's LMS; final exam 90% or higher within three attempts
- ▸Attest to the YHI Producer Agreement
Open to new agents

#### Get Covered Illinois

Illinois

REQUIREMENTS

- ▸Illinois license with Health line of authority
- ▸Create a Broker Portal account
- ▸PY2027 training is live; pass the exam with 80% and attest to the Non-Exchange Entity Agreement
- ▸Certification valid through Dec 31, 2027; 5 CE credits for Illinois residents
Partner line: 1-866-349-7579

Open to new agents

#### kynect (KHBE)

Kentucky

REQUIREMENTS

- ▸Kentucky license with health line of authority
- ▸Designation with an entity appointed by at least one kynect issuer
- ▸Register through Kentucky Online Gateway; complete training in the COLT LMS within three attempts
- ▸PY2027 training opened Aug 17, 2026; new agents take the PY2027 course
Open to new agents

#### CoverME.gov

Maine

REQUIREMENTS

- ▸Maine license with health authority
- ▸Online new-broker training and final exam in the CoverME LMS
- ▸Register for certification on CoverME.gov; review takes 7–10 days
Heads up:
Open to new agents

#### Maryland Health Connection

Maryland

REQUIREMENTS

- ▸Maryland license that qualifies you to sell health; resident and non-resident eligible
- ▸Submit the authorization application first, then training and the Consumer Assistance Exam
- ▸Annual training every year; renewal application every other year
Broker hotline: 1-844-224-6761

Limited individual business

#### Health Connector

Massachusetts

REQUIREMENTS

- ▸Broker certification is for Health Connector for Business (small group, 1–50 employees)
- ▸MA or non-resident license, Connector training, then broker portal registration
- ▸Commissions are paid by the Connector per subscriber per month
Heads up:
Open to new agents

#### MNsure

Minnesota

REQUIREMENTS

- ▸Minnesota producer license
- ▸Register the agency in the Broker Agency Management Program (BAMP) and add each broker
- ▸Agree to the MNsure Code of Conduct; complete free online training and assessment annually; CE reported to Sircon
Restricted or closing

#### Nevada Health Link

Nevada

REQUIREMENTS

- ▸Nevada producer license
- ▸New brokers submit an Intent to Sell form (posted each June); accepted brokers get training by email Sept 1
- ▸Training deadline Oct 15
Heads up:
Open to new agents

#### GetCoveredNJ

New Jersey

REQUIREMENTS

- ▸New Jersey license
- ▸New producers submit the Broker Intent to Sell form to receive training
- ▸Complete GetCoveredNJ training modules and sign the Broker Acknowledgment; certification is rolling after the deadline
Restricted or closing

#### BeWell

New Mexico

REQUIREMENTS

- ▸Active NM resident license, or domiciled in AZ, CO, OK, TX or UT with an active license there
- ▸Pass BeWell certification with 80% or higher; appointed with carriers
Heads up:
Open to new agents

#### NY State of Health

New York

REQUIREMENTS

- ▸New York DFS agent or broker license
- ▸Create an NY.gov ID and broker account, then free online certification courses and exam (no CE credit)
- ▸Separate courses for Individual and Small Business; certification runs two years
Open to new agents

#### Explore Health (new for 2027)

Oregon

REQUIREMENTS

- ▸Oregon license
- ▸Oregon Marketplace Certification Training by Oct 31, 2026; 80% on the exam
- ▸Oregon's page also lists CMS agent/broker training as a requirement
Heads up:
Open to new agents

#### Pennie

Pennsylvania

REQUIREMENTS

- ▸Pennsylvania license
- ▸New Agent Certification modules on TrainPA; 2027 training is live
- ▸Pennie approves certifications twice a week; allow 5–7 business days
- ▸Returning brokers must finish by Nov 30, 2026
Limited individual business

#### HealthSource RI

Rhode Island

REQUIREMENTS

- ▸Rhode Island license, HSRI broker training and exam
- ▸Scheduled sessions (2026: Apr 28 and Aug 19); ask for an off-cycle session
Heads up:
Brokers@HealthSourceRI.com

Limited individual business

#### Vermont Health Connect

Vermont

REQUIREMENTS

- ▸Vermont resident license
- ▸Brokers certify through the Assister program: privacy training, about 6 hours of coursework and an open-book exam, then an agreement
Heads up:
Open to new agents

#### Virginia's Insurance Marketplace

Virginia

REQUIREMENTS

- ▸Virginia license with health qualification
- ▸Create an agency and agent portal account
- ▸Request an LMS account at LMS@marketplace.virginia.gov (name, email, cell, NPN); full new-agent training, 80% to pass, sign the agent agreement
Heads up:
Restricted or closing

#### Washington Healthplanfinder

Washington

REQUIREMENTS

- ▸Washington license with disability line of authority; appointed with carriers
- ▸$50 certification fee, LMS training, then DocuSign user agreements
- ▸Account is created about a week after the countersigned agreement
Heads up:

## LIVE CARRIER MAP · CLICK ANY STATE

// 2026 PLAN YEAR · POWERED BY BENAVEST //

## ACA Commission Vault

Broker commissions per member per month, by carrier and state. New business and renewals, all in one place.

CARRIERS
STATE RATES
TOP PMPM

| CARRIER | STATE | NEW | RENEWAL |
|---|---|---|---|
| Ambetter | AL | $20 | $20 |
| Ambetter | AR | $18 | $18 |
| Ambetter | AZ | $20 | $20 |
| Ambetter | DE | $20 | $20 |
| Ambetter | FL | $30 | $30 |
| Ambetter | GA | $30 | $30 |
| Ambetter | IA | $20 | $20 |
| Ambetter | IL | $25 | $25 |
| Ambetter | IN | $20 | $20 |
| Ambetter | KS | $20 | $20 |
| Ambetter | KY | $20 | $20 |
| Ambetter | LA | $30 | $30 |
| Ambetter | MI | $21 | $21 |
| Ambetter | MO | $20 | $20 |
| Ambetter | MS | $20 | $20 |
| Ambetter | NC | $25 | $25 |
| Ambetter | NE | $20 | $20 |
| Ambetter | NH | $20 | $20 |
| Ambetter | NJ | $20 | $20 |
| Ambetter | NV | $25 | $25 |
| Ambetter | OH | $20 | $20 |
| Ambetter | OK | $25 | $25 |
| Ambetter | PA | $30 | $30 |
| Ambetter | SC | $30 | $30 |
| Ambetter | TN | $20 | $20 |
| Ambetter | TX (Premier plan) | $25 | $25 |
| Ambetter | TX (Value plan) | $20 | $20 |
| Ambetter | WA | $25 | $25 |
| Anthem | CA | $15 | $15 |
| Anthem | CO | $18 | $18 |
| Anthem | CT | $10 | $10 |
| Anthem | GA | $20 | $20 |
| Anthem | IN | $20 | $20 |
| Anthem | KY | $25 | $25 |
| Anthem | ME | $20 | $20 |
| Anthem | MO | $20 | $20 |
| Anthem | NH | $23 | $20 |
| Anthem | NV | $22 | $22 |
| Anthem | OH | $20 | $20 |
| Anthem | VA | $20 | $20 |
| Anthem | WI | $15 | $15 |
| Cigna | AZ | $22 | $25 |
| Cigna | CO | $20 | $25 |
| Cigna | FL | $27 | $32 |
| Cigna | GA | $15 | $25 |
| Cigna | IL | $22 | $25 |
| Cigna | IN | $22 | $27 |
| Cigna | MS | $22 | $27 |
| Cigna | NC | $25 | $30 |
| Cigna | TN | $22 | $27 |
| Cigna | TX | $15 | $25 |
| Cigna | VA | $22 | $27 |
| Molina | CA | $10 | $10 |
| Molina | CT | N/A | $18 |
| Molina | FL | N/A | $27 |
| Molina | ID | $13 | $13 |
| Molina | IL | N/A | $25 |
| Molina | KY | $20 | $20 |
| Molina | MI | N/A | $24 |
| Molina | MS | $22 | $22 |
| Molina | NM | $7 | $17 |
| Molina | NV | $16 | $16 |
| Molina | OH | N/A | $22 |
| Molina | SC | N/A | $27 |
| Molina | TX | N/A | $25 |
| Molina | UT | $20 | $20 |
| Molina | WA | N/A | $20 |
| Molina | WI | N/A | $16 |
| Oscar | AL | $20 | $20 |
| Oscar | AZ | $20 | $20 |
| Oscar | FL | $25 | $25 |
| Oscar | GA | $25 | $25 |
| Oscar | IA | $20 | $20 |
| Oscar | IL | $25 | $25 |
| Oscar | KS | $20 | $20 |
| Oscar | MI | $20 | $20 |
| Oscar | MO | $20 | $20 |
| Oscar | MS | $20 | $20 |
| Oscar | NC | $25 | $25 |
| Oscar | NE | $20 | $20 |
| Oscar | NJ | $20 | $20 |
| Oscar | OH | $18 | $18 |
| Oscar | OK | $20 | $20 |
| Oscar | PA | $20 | $20 |
| Oscar | TN | $18 | $18 |
| Oscar | TX | $25 | $25 |
| Oscar | VA | $18 | $18 |
| UnitedHealthcare | AL | $20 | $20 |
| UnitedHealthcare | AZ | $20 | $20 |
| UnitedHealthcare | CO | $20 | $18 |
| UnitedHealthcare | FL | $27 | $27 |
| UnitedHealthcare | GA | $25 | $23 |
| UnitedHealthcare | IA | $18 | $16 |
| UnitedHealthcare | IL | $24 | $24 |
| UnitedHealthcare | IN | $15 | $15 |
| UnitedHealthcare | KS | $15 | $15 |
| UnitedHealthcare | LA | $25 | $23 |
| UnitedHealthcare | MD | $19 | $18 |
| UnitedHealthcare | MI | $19 | $17 |
| UnitedHealthcare | MO | $19 | $17 |
| UnitedHealthcare | MS | $19 | $17 |
| UnitedHealthcare | NC | $25 | $23 |
| UnitedHealthcare | NE | $20 | $18 |
| UnitedHealthcare | NJ | $19 | $17 |
| UnitedHealthcare | NM | $17 | $15 |
| UnitedHealthcare | OH | $20 | $18 |
| UnitedHealthcare | OK | $20 | $18 |
| UnitedHealthcare | SC | $23 | $21 |
| UnitedHealthcare | TN | $19 | $17 |
| UnitedHealthcare | TX | $25 | $25 |
| UnitedHealthcare | VA | $19 | $18 |
| UnitedHealthcare | WA | $18 | $16 |
| UnitedHealthcare | WI | $19 | $17 |
| UnitedHealthcare | WY | $18 | $16 |

Rates shown in dollars per member per month. N/A means not available for new business. Subject to carrier changes.

// INCOME · ELIGIBILITY · MAGI //

## ACA Income Requirements

Subsidies are based on Modified Adjusted Gross Income (MAGI) compared to the Federal Poverty Level (FPL). Premium tax credits generally apply from 100% to 400% FPL. Expansion states cover Medicaid up to 138% FPL.

01 / COUNTS

### Income that counts toward MAGI

- ✓Wages, salaries & tipsAll employment pay, including bonuses and commissions
- ✓Self-employment incomeNet profit from business, freelance or contract work
- ✓Investment incomeInterest, dividends, capital gains, rental income
- ✓Retirement incomeTraditional IRA, 401(k), pension and annuity distributions
- ✓Taxable Social SecurityThe portion subject to federal income tax
- ✓Alimony receivedFor divorces finalized before 2019
- ✓Unemployment compensationBenefits received while unemployed
- ✓Foreign earned incomeIncome earned while working abroad
- ✓Taxable scholarships & grantsFunding that exceeds qualified expenses
- ✓Farm incomeNet profit from farming operations
02 / EXCLUDED

### Income that does NOT count

- ✕SSISupplemental Security Income
- ✕Child supportPayments for dependent children
- ✕Gifts & inheritancesMoney or property received
- ✕Workers' compensationWork-related injury benefits
- ✕Veterans' benefitsVA disability and assistance
- ✕Life insurance proceedsDeath benefits to beneficiaries
- ✕Welfare benefitsTANF, SNAP, public assistance
- ✕Roth IRA distributionsQualified Roth withdrawals
- ✕Tax-exempt interestMunicipal bonds (added back for MAGI)
- ✕Non-taxable scholarshipsGrants used for tuition and fees
- ✕Foster care paymentsPayments for foster children
- ✕LoansStudent, personal or any borrowed money
03 / FPL

### 2026 Federal Poverty Level Guidelines

48 contiguous states and D.C. Alaska and Hawaii have higher thresholds. 2026 income is used for Medicaid and CHIP; the previous year's income sets Marketplace savings for the next year.

| Household | 100% FPL | 138% FPL (Medicaid) | 400% FPL |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $63,840 |
| 2 | $21,640 | $29,863 | $86,560 |
| 3 | $27,320 | $37,702 | $109,280 |
| 4 | $33,000 | $45,540 | $132,000 |
| 5 | $38,680 | $53,378 | $154,720 |
| 6 | $44,360 | $61,217 | $177,440 |
| 7 | $50,040 | $69,055 | $200,160 |
| 8 | $55,720 | $76,894 | $222,880 |

Households over 8: add $5,680 per additional person at 100% FPL.

04 / 100–400% FPL

### Premium Tax Credits

Lowers the monthly premium on a sliding scale. Lower income means a larger credit. Upper income limits were temporarily removed and extended through 2025.

05 / 100–250% FPL

### Cost-Sharing Reductions

Lowers deductibles, copays and coinsurance. Available only on Silver-level plans.

06 / ≤ 138% FPL

### Medicaid Expansion

Little to no cost coverage in expansion states. As of 2025, 40 states and D.C. have expanded Medicaid.

Savings balances are **not** income. Only interest or investment earnings on them count. $100,000 in savings: the interest counts, the principal does not.

KEY POINTS
- ▸Income is based on MAGI, not take-home pay
- ▸Clients estimate income for the coverage year when applying
- ▸Differences are reconciled when filing taxes
- ▸Report major income changes to the Marketplace within 30 days
- ▸Alaska and Hawaii use higher FPL thresholds
- ▸Household = client, spouse, and dependents claimed on the tax return
Frequently asked

## Questions agents ask about ACA Command Center

**How do I get certified to sell ACA Marketplace plans?**

**How much do carriers pay for ACA business?**

**Which income counts toward ACA subsidies?**

**How do Topflight agents quote and enroll ACA clients?**

Last updated: September 29, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.