OBBBA reshaped ACA subsidies, Medicaid, and enrollment rules. Complete broker guide to every change, deadline, and opportunity in 2026–2028.
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AFFORDABLE CARE AGENTS BLOGInsights for Insurance Brokers
Practical guidance on Medicare, ACA Marketplace rules, compliance, and growing your brokerage.
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If you haven’t started your 2027 Medicare carrier certifications yet, the clock is already running. Carrier certifications are opening in waves right now — July 2026 — and brokers who get certified first have more time to build their book before AEP begins October 15. This complete guide gives you every major carrier’s 2027 certification...
Can a SEP IRA Really Change How Much a Consumer Pays for Marketplace Health Insurance? Yes. For self-employed consumers, a SEP IRA contribution can sometimes lower taxable income enough to increase Marketplace premium tax credits. In simple terms, the Marketplace looks at a household’s income to decide how much help they receive toward health insurance...
New York brokers should treat the end of the Essential Plan 200–250 category as one of the biggest individual-market transitions on the horizon. NY State of Health says the expanded Essential Plan coverage for people between 200% and 250% of the federal poverty level will end effective July 1, 2026, following federal funding changes and...
In August 2025, a federal district court in Texas delivered a landmark ruling with significant implications for the Medicare Advantage (MA) and Part D markets. The court vacated the Centers for Medicare & Medicaid Services’ (CMS) attempt to impose new limits on broker and third-party marketing organization (TPMO) compensation. The decision halts CMS’s effort to...
Published by Affordable Care Agents | August 2025 On August 22, 2025, the U.S. District Court for the District of Maryland issued a nationwide stay (pause) on several provisions of the 2025 Marketplace Integrity & Affordability Final Rule. The order came as part of the lawsuit City of Columbus et al. v. Kennedy et al....
📲 How ACA Brokers Can Receive Real-Time Leads via CMS Help On Demand in 2025 By Mikh Yusupov, M.P.A.Founder, AffordableCareAgents.com In today’s competitive ACA health insurance marketplace, consumer engagement must be fast, compliant, and responsive. That’s where CMS’s Help On Demand steps in—a live referral system connecting qualified ACA brokers with consumers seeking immediate enrollment...
Are brokers still being paid under Obamacare? Will Florida and other states continue supporting agent commissions in 2025? If you’re a licensed health insurance agent or a consumer wondering about broker compensation under the Affordable Care Act (ACA), the short answer is yes—but there’s more to understand. This article breaks down how brokers are paid under...
