The Challenge of Balancing U65 and Medicare Sales
Many independent brokers face a common dilemma: Can you work directly with carriers for Under 65 (U65) business while maintaining your Medicare business under another FMO? With most traditional FMOs, the answer is a firm no. However, AffordableCareAgents.com (ACA) is among the few organizations that offer brokers the freedom and flexibility to grow their U65 business independently while benefiting from support and sustainable commissions on their Medicare line.
The Freedom to Work Directly with Carriers
One of the key advantages of working with U65 carriers is that certifications are not required in states such as New York, making it even easier to get started. Unlike the Medicare market, where extensive certifications are necessary, starting your U65 business can be fast and hassle-free while allowing you to build a strong recurring income stream.
At ACA, we believe that brokers should have the autonomy to work directly with U65 carriers without restrictions. Unlike other FMOs that require you to channel all your business through them—often limiting your earning potential—ACA allows you to maintain full control over your U65 contracts.
What This Means for You:
✔ Direct Carrier Relationships – Maintain your contracts with U65 carriers for maximum flexibility.
✔ No Production Quotas – Unlike some FMOs, ACA does not impose production requirements to retain your contracts.
✔ Competitive Commissions – Get paid directly by the carriers without the middleman taking a percentage.
Maximizing Medicare Profits Without the 50% Cut
One of the biggest challenges brokers face in Medicare is the CMS-mandated 50% commission cut after two years when working under a Field Marketing Organization (FMO). Most FMOs keep a large portion of residual commissions, leaving brokers with limited long-term earnings.
At ACA, we’ve structured our contracts to ensure maximum commission retention and long-term financial sustainability. You work hard to build your book of business, and you deserve to keep those earnings year after year.
How ACA Maximizes Your Medicare Business:
✔ Keep More of Your Commissions – No unfair cuts after two years; you retain as much of your renewal commissions as possible.
✔ Transparent Contracts – Unlike other FMOs that bury hidden clauses, our agreements are broker-friendly and designed for your success.
✔ No Captive Agreements – You have the flexibility to work with multiple Medicare carriers while still benefiting from our expert back-office support.
✔ Training and Resources – Gain access to best-in-class tools, training, and enrollment support to grow your Medicare business without limitations.
Sustainable, Recurring Income for the Long Term
At ACA, we are committed to empowering independent brokers with a business model that supports financial stability and long-term success. We believe that brokers should not only earn top commissions but also build a recurring revenue stream that grows year after year.
Why Independent Brokers Choose ACA:
- True Independence – Keep your U65 business direct and your Medicare business profitable without unnecessary commission reductions.
- No FMOs Holding You Back – Unlike traditional models, we give you the autonomy to structure your contracts in a way that benefits you.
- Ongoing Support Without Interference – Get the tools and assistance you need without compromising your ability to scale your business.
An Open and Engaging Environment for Brokers
At AffordableCareAgents.com, we encourage brokers to be creative, engaged, and inquisitive. We foster an open-ended environment where you can be productive, share your ideas, and grow your business without limitations. Whether you prefer a Medicare-focused approach or want to specialize in U65 markets, we provide the right balance between both worlds.
We have dedicated ourselves to the U65 channels, earning a reputation as one of the most flexible FMOs in the industry. Our structure is designed to empower brokers with maximum autonomy and sustainable income without unnecessary commission cuts or rigid contract terms.
Conclusion: The Best of Both Worlds
If you’ve been searching for an FMO that allows you to maximize your earnings, maintain your U65 business independently, and avoid commission cuts after two years, look no further than AffordableCareAgents.com. We are one of the few FMOs that truly prioritize broker independence and financial growth.
Don’t settle for less—take control of your career today.
Contact ACA today (646) 233-1499 and start building a business that works for YOU!
