Get paid for the marketplace clients you currently give away.
Healthcare.gov pays brokers nothing. TMRW writes private off-exchange health plans on full PPO networks across all 50 states. Refer the lead, we return a composite-rate quote, and you earn a recurring percentage of premium on every policy that stays active. Cigna · Blue Cross Blue Shield / Anthem · PHCS · QualCare.
A turnkey commission line. Full PPO. All 50 states.
Full PPO carrier menu
Cigna, BCBS/Anthem, PHCS, QualCare across all 50 states. Ancillary: Delta Dental, MetLife Dental, VSP Vision — no waiting periods.
Composite rates
Composite rates back in minutes. No waiting on underwriting. Easy access — send to the client right away.
Recurring monthly commission
Medical, dental, and vision all pay a percentage of premium. Commission pays monthly and recurs as long as the policy stays active.
You keep your book
No exclusivity, no reassignment, no platform fee. Walk away with your clients intact, anytime.
Five steps. Composite rates. No platform to learn.
Apply
Short form. No referral broker needed — anyone with an active license can apply. We confirm and walk you through carrier contracting.
Refer the lead
Email, form, or phone. Whichever's fastest. Across all 50 states.
Composite-rate quote
Composite rates back in minutes. Our plans — no waiting, easy access.
We place + service
Enrollment, claims, renewals — handled. You stay copied if you want.
Get paid
Percentage of premium — medical, dental, vision. Pays monthly and recurs as long as the policy is active.
Independent brokers serving individuals, families, and small businesses.
You're a fit if
You're an independent broker or small agency. Your book leans on individuals, families, freelancers, contractors, mom-and-pop businesses, and small companies under 20 employees — the people Healthcare.gov pays you nothing to write. You want a year-round commission line on full PPO networks across all 50 states without losing the simplicity of how you already operate.
You're probably not a fit if
You're a captive agent. You expect a salary or fee-only arrangement (we run on standard carrier commission). You don't write health at all — we'd be a poor fit until your book has overlap with the clients we serve.
Send a referral when you see
- Anyone who wants a full PPO network
- Self-employed person shopping for first plan
- Freelancer or 1099 contractor
- Family-owned or mom-and-pop business
- Small business under 20 employees
- Startup wanting early-stage benefits
- Higher-income client without ACA subsidies
- Client who missed Open Enrollment
What brokers ask first.
Does TMRW pay broker commissions?
Yes. Medical pays a percentage of premium. Ancillary — dental and vision — also pays a percentage of premium. Commission pays monthly and recurs as long as the policy stays active.
Do brokers keep their book?
Yes. Brokers retain full ownership of client relationships. TMRW is a placement partner, not a competing producer. We don't market to your clients independently, don't reassign accounts, and don't enforce exclusivity.
What carriers does TMRW work with?
Major medical: Cigna, Blue Cross Blue Shield / Anthem, PHCS & QualCare — nationwide PPO plans across all 50 states. Ancillary: Delta Dental, MetLife Dental, and VSP Vision — no waiting periods. Specific carrier availability varies by state — we'll confirm before we quote.
How fast are quotes?
Composite rates back in minutes. No waiting on underwriting, easy access. We send our plans ready for the client right away.
What's the onboarding timeline?
Most brokers complete onboarding in 1–2 business days. No referral broker required to apply — anyone with an active license can submit. We give you your own Rep ID and Portal Access so every policy runs under you — transparent and easy. Carrier contracting is handled as part of onboarding.
Can I refer across multiple states?
Yes. Our plans are available in all 50 states and coverage is in all 50 states.