Step 1
Capture Consent
Generate a digital Consent for Assistance form and send it via SMS. Your client taps "I Agree" on their phone. The signed form is automatically locked in 10-year tamper-proof storage.
Direct CMS Marketplace API
$9.99/mo — Everything Included
ACA Marketplace Quoting Software for Independent Agents
Stop depending on carrier-subsidized platforms that control your client data. Get direct access to the CMS Marketplace API with live plan searches, real-time subsidy calculations, doctor and medication network verification, and agency-branded PDF proposals — all in one independent workflow.
Unlimited plan searches, branded proposals, compliance storage, and 10-year consent form vault — all for $9.99/month. Rate locked for a decade.
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Direct CMS Marketplace API
Real-Time Subsidy Calculator
Doctor & Drug Network Search
Agency-Branded PDF Proposals
The Independent Agent Problem
Your Quoting Platform Shouldn't Own Your Business
Most independent agents quote ACA Marketplace plans through carrier-subsidized platforms or FMO-provided tools. These "free" tools come with hidden costs: your client data is locked inside their system, your branding disappears behind their interface, and if you switch uplines, your entire quote history vanishes.
The Platform Lock-In Trap
- Client data trapped in a platform you don't control
- Generic, unbranded quote presentations
- Switch FMOs and lose your quote history
The Independent Agent Advantage
- Your data, your vault, your control — always
- Agency-branded PDF proposals that represent you
- Platform-independent — switch tools without losing data
From Consent to Proposal in One Workflow
Capture consent, search live Marketplace plans, verify doctors and medications, and generate a branded PDF proposal — without logging into four different systems.
Step 2
Search Marketplace Plans
Enter household details and income. The platform pulls live plan data directly from the CMS Marketplace API and calculates Premium Tax Credits in real time — displaying accurate net premiums instantly.
Step 3
Verify Doctors & Drugs
Search provider networks to confirm the client's doctor is in-network. Check drug formularies for medication coverage and tier pricing. Filter plans by what matters most to your client.
Step 4
Send Branded Proposal
Select the best plan options and generate a personalized, agency-branded PDF proposal. Send it to the client — professional, polished, and ready to close.
Everything You Need to Quote ACA Plans
No CRM bloat. No carrier lock-in. Just the tools independent agents actually use during Open Enrollment.
Marketplace API Plan Search
Live connection to the CMS Marketplace API delivers real-time plan data — benefits, premiums, cost-sharing, and provider networks. No stale data. No middleman. Authoritative plan information direct from the exchange.
- All metal tiers — Bronze, Silver, Gold, Platinum, and Catastrophic
- County-level plan availability and rating area accuracy
- Deductibles, copays, coinsurance, and out-of-pocket maximums
Real-Time Subsidy & PTC Calculator
Enter household income and family size to instantly calculate Premium Tax Credits. See the actual net premium your client will pay — not the sticker price. Navigate the subsidy cliff with confidence.
- Automatic Federal Poverty Level calculations
- Cost-sharing reduction (CSR) eligibility detection
- Net premium display after APTC applied
Doctor & Medication Network Lookup
The number one question clients ask: "Is my doctor covered?" Answer it before you recommend a plan. Search provider networks and drug formularies directly within the quoting workflow.
- Provider network search by name, specialty, or NPI
- Drug formulary lookup with tier pricing
- Filter plans by specific providers and medications
Agency-Branded PDF Proposals
Stop sending generic carrier printouts. Generate a personalized, agency-branded PDF quote proposal that positions you as the professional your client deserves. Increase close rates with polished, custom documentation.
- Your agency name, logo, and contact info
- Side-by-side plan comparisons with net premiums
- Instant PDF generation — email or text to your client
Data Sovereignty
Your Client Data Belongs to You. Period.
When you quote through a carrier-subsidized platform, your client data lives in their ecosystem. Switch platforms? Your quote history, consent records, and client information disappear. This is data lock-in — and it puts your agency at risk.
With an independent quoting platform, your data is yours. Quote on any platform. Enroll through any channel. Your compliance records, quote history, and client data stay in your vault — not trapped in a system you don't own.
Platform Portability
Switch enrollment platforms without losing a single quote, consent form, or client record. Your vault travels with you.
No Carrier Subsidies
We don't take money from carriers. Your recommendations stay independent. Your client's best interest stays first.
10-Year Compliance Vault
Every consent form and attestation automatically stored in tamper-proof WORM storage for the full CMS-mandated retention period.
$9.99/mo. Everything. No hidden fees.
Unlimited Marketplace plan searches, branded PDF proposals, subsidy calculations, doctor and drug lookups, digital consent forms, and 10-year compliance storage. One price. Rate locked for a decade.
ACA Quoting + Compliance Vault
Everything you need for OEP. No bloat.
$9.99 /month
Rate locked & guaranteed for 10 years
Sign up now and keep $9.99/mo even after prices increase. No contracts — cancel anytime.
- Unlimited CMS Marketplace API plan searches
- Real-time subsidy & Premium Tax Credit calculator
- Doctor network search & drug formulary lookup
- Agency-branded PDF quote proposals
- Unlimited digital Consent for Assistance forms via SMS
- 10-year tamper-proof WORM compliance storage
No contracts. Cancel anytime. $119.88/year for the complete ACA toolkit.
Frequently asked questions
Common questions about ACA Marketplace quoting software for independent agents.
What is ACA quoting software for insurance agents?
ACA quoting software connects directly to the CMS Marketplace API to pull live plan data, calculate Premium Tax Credit subsidies, and let agents compare Affordable Care Act health plans for their clients. It replaces the manual process of searching HealthCare.gov or relying on carrier-subsidized platforms that restrict your data access.
Is this an alternative to HealthSherpa or SnapHealth?
Yes. Unlike HealthSherpa or SnapHealth, this platform is completely independent — not subsidized by carriers and not controlled by an FMO. Your client data, consent records, and quote history belong to you. If you switch enrollment platforms, your data stays with you.
How much does ACA quoting software cost?
The full platform — including unlimited Marketplace plan searches, branded PDF proposals, subsidy calculations, doctor and medication lookups, digital consent forms, and 10-year compliance storage — is $9.99 per month. The rate is locked and guaranteed for 10 years. No contracts, cancel anytime.
Can I search for doctors and medications within the quoting tool?
Yes. The platform includes provider network search and drug formulary lookup. You can verify whether a client's doctor is in-network and check medication coverage and tier pricing before recommending a plan — all within the same quoting workflow.
Does the platform generate branded PDF quotes?
Yes. After comparing plans and selecting the best options, you can generate a personalized, agency-branded PDF proposal to send to your client. This replaces generic carrier printouts with a professional document that represents your agency.
Ready to quote ACA plans independently?
Direct Marketplace API access. Agency-branded proposals. 10-year compliance vault. All for $9.99/mo.
Resources: ACA Marketplace tools · ACA consent forms · Blog · Pricing