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    ACA Commission & Renewal Income Calculator

    Model how consistent monthly sales build growing recurring ACA commission income — and see how much more you could earn through our commission enhancement programs.

    Commission Projection Calculator

    Project Your ACA Commission Income

    See how consistent monthly sales can build growing recurring income — and how much more you could earn through our commission enhancement programs.

    Your Sales Plan

    $25

    Base carrier street-level commission (PMPM).

    300

    Total new members during the Nov 1 - Jan 15 OEP. Modeled as January 1-effective (12 payable months).

    15

    New members sold each month, Mar-Dec.

    85%

    % of active members carried into next year.

    5 yrs

    How many years to model.

    2,027

    Year the projection begins.

    Performance Bonuses

    $100

    Per-member bonus paid on qualifying OEP sales ($25-$200).

    100%

    Share of your OEP enrollments earning the bonus each year.

    The calculator automatically applies your best-fit commission enhancement program each year — no need to track the tiers yourself. Bonuses apply only to Open Enrollment business.

    Assumptions: all OEP sales are modeled as January 1-effective (12 payable months). Outside-OEP sales become effective the first of the following month. The calculator applies the right enhancement program automatically. This is a projection model, not an exact carrier effectuation schedule.

    5-Year Projection

    Starting 2027 · 1,669 active members by 2031

    Total base income

    $1,696,607

    Total with enhancements

    $1,971,462

    Additional income
    +16.2% over base

    $274,855

    Earned over 5 years through SOLO / C.O.L.A. + bonuses — 16.2% more than base income.

    Annual income
    BaseEnhancement Uplift
    2027
    +$33,422$140,297
    2028
    +$43,594$285,469
    2029
    +$58,997$415,622
    2030
    +$66,312$520,475
    2031
    +$72,531$609,600
    YearProgramBaseTotal
    2027SOLO Agent bonus$106,875$140,297
    2028SOLO Agent bonus$241,875$285,469
    2029SOLO Agent bonus$356,625$415,622
    2030SOLO Agent bonus$454,163$520,475
    2031SOLO Agent bonus$537,069$609,600
    Get Contracted & Start Earning
    Final-year base

    $537,069

    Final active book

    1,669

    Educational projection only. Actual commissions vary by carrier, state, product, contract level, effectuation, and retention.