For ACA marketplace brokers
For brokers whose books live and die on ACA marketplace.
If your book is mostly Healthcare.gov plans, you face a structural problem — clients churn every January, ancillary attach is flat, mid-year revenue is dead. The fix isn't grinding harder. It's a structurally different product mix.
The short version
Independent insurance brokers whose books rely heavily on ACA marketplace plans face a structural problem: clients churn at Open Enrollment, ancillary attach rates stay flat, and there's no product to sell year-round. The TMRW Broker Exchange Portal addresses this by adding a year-round enrollable product portfolio (ancillary, supplemental, and lifestyle products that aren't OEP-locked), real-time commission visibility, and a turnkey enrollment infrastructure — at no platform cost. The shift from "OEP push" to "year-round revenue" typically takes 6–12 months to compound.
The structural problem
Five things a Healthcare.gov-heavy book deals with — every single year.
Renewal churn is brutal
Clients shop OEP, switch carriers, switch brokers. Your retention work is concentrated in 75 days.
Ancillary attach is flat
You sell major medical, then nothing. The carrier owns the relationship after enrollment; you don't have a vehicle to upsell.
Mid-year revenue is dead
Outside OEP and qualifying SEPs, marketplace doesn't move. You're idle 9 months of the year.
Commission compression is real
Marketplace commission rates have been falling for years. The trend isn't your friend.
The big platforms are racing to disintermediate you
eHealth, HealthSherpa, Stride. They're not slowing down. The structural moat is product mix, not effort.
What changes with TMRW
Five structural shifts — not just better tools.
Year-round product mix
Supplemental, ancillary, and lifestyle products on the TMRW platform aren't OEP-locked. Quote and enroll throughout the year.
Higher attach rates
Multiple products per client = compounding revenue, not linear. Average client value goes up meaningfully.
Defensible relationships
Year-round product engagement keeps you in front of clients in a way OEP-only doesn't. Renewal retention improves.
Mid-year enrollment events
Life events (baby, mortgage, parent care, divorce) trigger SEPs and ancillary needs. The platform handles them; you earn the commission.
Commission transparency
See earnings in real time on the dashboard, not 60 days late on a statement.
The honest read
TMRW isn't a magic lead generator. You bring the relationships; we provide the infrastructure. This isn't a fast-track to 10x — it's a structural shift that compounds over 12-24 months.
Realistic timeline
Month-by-month, what compounding looks like.
Apply, onboard, load
Complete onboarding. Load 1–2 existing clients. Carrier appointments process in parallel.
First commissions
First year-round enrollments come in. First commission earnings visible on the dashboard.
Roll out to book
Roll out to existing clients. Ancillary attach starts climbing meaningfully.
Compounding
Year-round revenue line becomes meaningful. Renewal retention starts improving.
Compounding effect
Multi-product clients are stickier and more valuable. The structural shift starts paying real returns.
FAQ
Frequently asked questions
What's the commission split with TMRW?
Commission splits vary by carrier and product type. Major medical typically pays a percentage of premium per the carrier's broker schedule; ancillary, supplemental, and lifestyle products pay flat or percentage commissions. The full commission grid is shared during application — it's tailored to your states and product mix.
Will TMRW compete with me for my clients?
No. TMRW operates as a platform partner, not a competing producer. We don't market to your clients independently, don't reassign accounts, and don't lock you into exclusivity. Your clients are your clients — leave with your book intact whenever you want.
How fast can I expect ancillary attach to grow?
Common patterns from broker partners after 6–12 months: ancillary attach climbs from a single-digit baseline to 25–50% of medical clients. Mid-year enrollment activity becomes a meaningful revenue line vs. zero before. Numbers vary by book composition and how aggressively you cross-sell.
Do I have to switch off my current carriers?
No. TMRW partnership is non-exclusive. Keep writing through your existing GAs, BGAs, and carrier appointments. TMRW partnership is additive — most brokers use it specifically for the year-round ancillary opportunity that complements their existing major medical placement.
A candid conversation
30 minutes about your book.
No deck, no pressure. We talk through your current product mix, churn dynamics, and where year-round products would actually move the needle. If TMRW isn't the right fit, we'll say so.