Carrier Bonuses & Incentives
Official ACA and Non-ACA / Supplemental carrier incentive programs, qualification rules, and interactive bonus calculators for Open Enrollment & Q4.
Open Enrollment & ACA Marketplace Incentives
Per-member and per-contract bonus programs paid by ACA carriers during Open Enrollment. Click any row to view full schedule, qualification rules, and interactive calculator.
| Carrier | States / Scope | Max Payout | Rate Structure | Summary | Details |
|---|---|---|---|---|---|
Ambetter (Centene) | 25 States (Tier 1 & Tier 2) | Up to $100 / member | T1: $50 @ 50 / $100 @ 75+ • T2: $50 @ 75 / $100 @ 100+ | Tiered by state group. Tier 1 pays $50/mbr at 50 members, $100/mbr at 75+. Tier 2 pays $50/mbr at 75, $100/mbr at 100+. | |
Oscar Health | 19 States (2 Tiers) | Up to $100 new / $50 renewal | Initiation & renewal tracks • NC+SC combinable • Early Dec advance | Separate initiation and renewal bonus tracks. NC & SC may be combined. Early December advance available. | |
22 Health | Florida | Up to $100 / member | 1-49: $25 • 50-99: $75 • 100+: $100 | Volume-tiered per new member. Paid in addition to standard commission. Florida only. | |
BCBS (HCSC) | IL, MT, NM, OK, TX | Up to $100 / contract | 25-100: $50 • 101-250: $75 • 251+: $100 • $500k cap/state | Identical schedule across all 5 HCSC states. Counts contracts (policies), not lives. $500K max per state. | |
Harbor Health | Texas (On & Off-Exchange) | Up to $200 / member (Stacked) | $50 Early App + $100-$150 OEP = up to $200/mbr | Stackable: $50 Early Application (Nov 1–Dec 1, paid Dec) + $100–$150 OEP Broker Bonus (paid Apr). |
Non-ACA / Supplemental Carrier Incentives
Q4 and year-round bonus programs for STM, indemnity, and ancillary products. Click any row to view full schedule and interactive calculator.
| Carrier | States / Scope | Max Payout | Rate Structure | Summary | Details |
|---|---|---|---|---|---|
UHOne (UnitedHealthcare / Golden Rule) | National (TTM, STM, Fixed Indemnity) | Up to $500 / application | TTM: $400-$500 • STM/HPG: $25-$100 • 40-app EFT baseline | 40 eligible applications with EFT payment to qualify. No payout cap (unlimited). TriTerm Medical pays up to $500/app. | |
Allstate Health Solutions | National (STM & MES) | Up to $650 / policy (ACH) | ACH pays 2× CC • 10-policy min • Retroactive to #1 | Q4 bonus on Medical Expense Shield, STM, and Access Core/Plus. 10-policy threshold, retroactive to policy #1. | |
Pivot Health | National (STM & Ancillary) | Up to $350 STM / $60 Ancillary | Go the Distance STM + Build More Ancillary stacking | STM bonuses $150–$350 by duration. Ancillary stacking $20–$60/policy, retroactive to policy #1. | |
Philadelphia American | National (Indemnity) | Step 1 + $100/bundled rider | Step 1: $100-$200 base • Step 2: +$25-$100 same-day rider | Two-step indemnity stacking. Step 1 base $100–$200, Step 2 adds $25–$100 per bundled rider/plan. |
Harbor Health Bonus Details
Harbor Health Broker Bonuses
Texas (On & Off-Exchange)Stackable up to $200/memberOEP Broker Bonus ($100–$150/mbr) + Early Application Bonus ($50/mbr) for Texas Individual & Family Plans.
Submit between Nov. 1 and Dec. 1, 2026 with a Jan. 1, 2027 effective date and stack the $50 Early Application Bonus on top of the $100 to $150 OEP Broker Bonus. Both bonuses pay on the same new members, plus standard commissions!
Starting at 25+ new members submitted early.
Tier 1: $100 (25–199) • Tier 2: $150 on #200+
Estimate Your Total Harbor Health Bonus (Stacked)
Model your combined Early Application ($50) + OEP ($100–$150) payouts based on projected enrollments.
Program Terms & Stacking Rules
- Stackability: Both bonuses pay on the same new members, up to $200 each ($50 Early App + up to $150 OEP).
- Eligible Products: All new Individual & Family Plan enrollments (On- and Off-Exchange in Texas).
- Member Cap: Payable to a maximum of self, spouse, and 3 dependents per qualified health plan policy.
- OEP Effectuation: Members must be effectuated and not in grace period with a paid premium through March 2027 with no lapse.
- Commissions: Paid in addition to standard carrier street-level commissions ($25 PMPM).
Official Harbor Health Program Flyers
Stack ACA Training Ground Enhancements on Top
Under our SOLO Agent Program, qualifying independent agents earn an additional 2.5% to 10% matched on carrier bonuses and street-level commissions! Model your combined bonus + base income in our multi-year Commission Calculator.