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Will Brokers Still Get Paid Under Obamacare in 2025? What You Need to Know

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...

Published: May 2025
Author: Affordable Care Agents Editorial Team
Category: Marketing & Lead Generation

💼 Will ACA Brokers Still Get Paid in 2025?

If you’re a licensed health insurance agent or a consumer wondering whether brokers still earn commissions under Obamacare in 2025, the answer is a resounding yes. But understanding the how, where, and what’s next is key to maximizing opportunity—especially during the 2025 Open Enrollment Period (OEP).

In this comprehensive update, we’ll break down:

How brokers are paid for ACA plans
State-by-state insights, including Florida, Texas, and California
Trends affecting commissions in 2025
What the future may hold—and how to prepare

💸 How Are Brokers Paid for ACA Plans?

Under the Affordable Care Act (ACA)—often called Obamacare—brokers are compensated directly by insurance carriers, not by the government.

Key facts:

Commissions are built into the plan premium by law
Brokers receive either a per-member-per-month (PMPM) rate or a percentage of premium
Consumers don’t pay extra for using a broker—it’s included in the plan

✅ Reminder: Only CMS-certified or state-exchange certified brokers can legally enroll consumers into ACA-compliant plans.

🌴 Florida Remains a Broker-Friendly Powerhouse

Florida continues to lead the nation in ACA enrollments—and brokers are a critical reason why.

Why Florida stands out:

Uses HealthCare.gov (FFM), which actively supports broker engagement
No caps or restrictions on broker commissions
Carriers offer competitive compensation and bonuses for performance
Brokers serve diverse, multilingual communities across the state

💡 Tip: If you’re operating in Florida, make sure to align with carriers offering top-tier commissions and language support tools.

🗺️ Broker Compensation Across the U.S.

Here’s what you need to know about ACA commission trends in other major states:

State	Exchange Type	Broker Pay Outlook
Texas & Georgia	FFM	Competitive and growing
California (Covered CA)	SBM	Paid, but stricter rules
New York (NYSOH)	SBM	Commissions allowed; often tiered
Massachusetts & Vermont	SBM	Broker use is limited but still present

➡ Pro Tip: Always check individual carrier portals for the most current commission schedules and tier structures.

📈 2025 Trends: More Brokers, More Value, More Earnings

The ACA broker space is booming, driven by:

CMS Enhanced Direct Enrollment (EDE) tools
Increased bonuses for client retention and high-volume enrollments
Brokers expanding into Medicare, dental, and supplemental plans
Higher client satisfaction due to personalized broker guidance

🔍 According to CMS data, broker-assisted enrollments are now outpacing navigator enrollments—and carriers are taking notice.

🚨 What Could Impact Broker Compensation in the Future?

While the outlook remains strong, brokers should watch for:

Carrier strategy shifts: Some may reduce commissions in low-margin regions or metal tiers
New state regulations: Progressive states could cap commissions or increase transparency requirements
CMS compliance changes: Disclosure and reporting mandates may evolve in future enrollment cycles

⛔ But rest assured: There are no active proposals to eliminate broker pay at the federal level.

✅ Bottom Line: ACA Brokers Will Keep Getting Paid in 2025

Brokers are—and will remain—a cornerstone of the Affordable Care Act. Whether you’re advising first-time enrollees or helping returning clients, your expertise is essential to ensuring compliant, confident coverage decisions.

💬 “Brokers bridge the gap between consumers and coverage. Their role in 2025 is more valuable than ever.” — Affordable Care Agents

🚀 Join the #1 ACA Broker Network in the Nation

At AffordableCareAgents.com, we empower ACA brokers across the country to succeed with:

Direct contracts with major national and regional carriers
Top-tier commission structures and performance incentives
Real-time support, compliance guidance, and certification help
Powerful quote engines and CRM tech to close more enrollments

📩 Ready to boost your ACA income in 2025?

👉 Get Appointed Now to dominate Open Enrollment.