The questions the desk actually gets

No. Broker compensation is paid by the carrier and is already built into the filed rate, so the premium for a given plan is identical whether you enrol through us, directly with the carrier, or on HealthCare.gov. There is no consumer-side fee at any point, and no plan on our comparison is weighted by what it pays.

Because cost-sharing reductions attach to Silver plans by statute. Between 100% and 250% of the federal poverty level, a Silver plan is silently upgraded to a 73, 87 or 94 actuarial-value variant, and the 94 variant is richer than most Gold plans while still costing a Silver premium. Choosing Bronze in that income band trades a small monthly saving for a very large deductible.

Advance credits are reconciled on IRS Form 8962 when you file. If you earned less than you projected, you receive the difference as a refundable credit. If you earned more, you repay some or all of the excess, subject to repayment caps that scale with income. Report income changes to the Marketplace during the year and the correction happens in small monthly steps instead of one bill in April.

No. Every Marketplace plan is guaranteed issue. There is no medical underwriting, no condition-based rate-up, and no waiting period before an existing condition is covered. Rates vary only by age, ZIP code, tobacco use, plan and household composition.

For children, yes - paediatric dental and vision are essential health benefits. For adults, no. Adult dental and vision are bought as standalone policies, sold alongside a Marketplace plan but priced and administered separately.

Only a qualifying high-deductible plan permits HSA contributions, and carriers label those designs explicitly. They are usually Bronze or the leanest Silver. If you are receiving cost-sharing reductions, the enriched Silver variant is generally not HSA-qualified.

The Marketplace will usually re-enrol you into your current plan, or crosswalk you into the carrier's nearest surviving design if yours was discontinued. That sounds harmless and often is not: your credit is recalculated against a new benchmark, and a plan that was well priced last year can move sharply. Auto re-enrolment is a safety net, not a decision.

Most applications clear without any. If the Marketplace cannot match your data to federal records it raises a data-matching issue with a deadline, usually 90 days. Income is normally cleared with recent pay stubs, a prior-year 1040, or a signed self-employment statement. Identity and lawful presence have their own document lists. Missing the deadline ends the credit, so upload early.

A permanent move out of your plan's service area is a qualifying life event and opens a 60-day special enrollment period. Your existing plan almost certainly does not follow you, because networks and rates are set by rating area. Start the new application before the move rather than after, so coverage is continuous.

Lawfully present immigrants are eligible for Marketplace coverage and for premium tax credits, and the list of qualifying statuses is longer than most people assume. Mixed-status households can enrol the eligible members without the ineligible members appearing on the policy, and information given on an application is not used for immigration enforcement.

You export whatever you have - a CSV, an AgencyBloc dump, or a stack of carrier commission statements - and the desk normalises it into household records, reconciles it against the carrier statements line by line, and hands back a list of anything that did not match. Median completion is six business days. Consent records and notes carry across; nothing is silently dropped.

You do. Full export in a machine-readable format is available every day of the contract, including consent records and the note log, and there is no exit fee and no notice period on export. A platform that holds your book hostage is competing on lock-in rather than on the product.

Thirty-four, covering both federally-facilitated and state-based marketplaces. Non-resident licensing support is handled by the desk rather than left to you, and appointment status per carrier per state is tracked on your profile with expiry dates.

No. Ledger & Co charges a flat platform fee per household per year and never touches the commission stream. Carrier payments go to your NPN, on the carrier's own schedule, and the reconciliation queue exists to make sure they arrive in full. If we took a percentage, our incentive would be to grow your book rather than to keep it.

Yes. Hierarchy is modelled explicitly - agency splits and upline overrides appear as their own rows on every statement rather than being netted invisibly into a single figure. Downline agents see their own book and their own compensation, and never the hierarchy above them.

The quoting desk locks for that agent until registration is restored. There is no override and no supervisor path, because assisting with a Marketplace enrolment without current registration is not a policy question. The platform warns at 60, 30 and 7 days out.