Agent Partner Program
A short walkthrough for agents on what an underwritten alternative can offer a client the marketplace has priced out — and how to refer that client to us without giving up the relationship.
Same family. Same county. $1,050 instead of $2,700 a month.
What this family was actually quoted
At $110,000, this household sits above the 2026 subsidy cliff — no premium tax credit, full price either way. These are the real figures from their marketplace shopping, compared to the underwritten alternative.
This is not a major medical plan
The savings above are real, but they come from a genuinely different kind of coverage. Your client needs to understand this going in — and so do you, before you describe it to them.
Excepted benefit plan, underwritten
Not ACA-qualified major medical. This plan is classified as an excepted benefit and is not required to meet ACA standards for essential health benefits.
Medical underwriting applies. The applicant answers health questions, including height, weight, and medical history. Coverage is not guaranteed the way marketplace enrollment is.
Pre-existing conditions may be excluded or declined — not just delayed. This is one of the biggest practical differences from a marketplace plan.
Maternity and substance use/mental health treatment are handled differently than under an ACA plan. Confirm exact terms with us before quoting a client who may need either.
Preventive care coverage differs from the ACA's no-cost-sharing preventive services requirement.
This page is a summary for licensed agents, not a plan brochure. Request the full policy documents before referring any client whose situation involves ongoing conditions, planned pregnancy, or specialized treatment needs.
How the referral works
A name and a warm introduction is all we need to start. No paperwork on your end.
1 Introduce your client
Underwriting, quoting, and enrollment — we manage the entire process directly with your client.
2 We handle the rest
25% of first-year commission on anything that closes. No cost or obligation to you, ever.
3 You get paid
Benefits Insurance Agency · 22183 Tucana Way, Land O' Lakes, FL 34637 · Licensed Insurance Advisor, FL 2-15
The underwritten alternative plan described on this page is an excepted benefit plan and is not major medical coverage under the Affordable Care Act. It is not sold on or connected with the Health Insurance Marketplace, Healthcare.gov, or any state exchange. Coverage is subject to medical underwriting and plan terms; rates shown are illustrative for one household and will vary by applicant. This page is intended for licensed insurance agents evaluating a referral partnership, not for direct enrollment.