HealthSherpa for Agents review for insurance agents: pricing, carriers and features
HealthSherpa for Agents lets you quote ACA plans, run the subsidy application and enroll clients without going to HealthCare.gov. It also handles changes after enrollment and gives you a branded page where clients can enroll themselves.
It's free. Carriers pay HealthSherpa, so you only need your NPN, state license and Marketplace registration to sign up.
- Best for
- ACA agents and agencies who want to enroll clients without going through HealthCare.gov
- Lines
- ACA health, plus off-exchange medical, dental and vision in some states
- Price
- Free. Carriers pay HealthSherpa
- How you get it
- Create an account with your NPN and state license
- Carriers
- 70+
- Applications
- Full EDE (Enhanced Direct Enrollment) on HealthSherpa's own screens in HealthCare.gov states and Georgia Access
- Website quoter
- Yes, a branded enrollment page with your link and QR code
Our take
HealthSherpa fits an ACA agent or agency that enrolls in HealthCare.gov states and Georgia. Quoting, the subsidy application, enrollment and later changes all stay on one screen.
You pay nothing, and the client stays yours on a standard account. Agencies get downline controls and exports.
Know the Full-Service option before you click it. It makes HealthSherpa the agent of record in exchange for a payout.
Pros
- Free for agents, paid for by carriers
- Full EDE enrollment in HealthCare.gov states
- Consent records with timestamps and PDF download
- A branded client enrollment page with lead capture
- Agency, downline and two-factor login controls
- Doctor and drug search when comparing plans
Cons
- Other state exchanges get quoting only, then a hand-off
- Full-Service moves the client to HealthSherpa with no export
- No CRM connection, only RetireFlo intake
- ACA only, with no Medicare in this product
- Appointments aren't checked, so unappointed carriers still appear
Plans and pricing
| Account | Price | Who keeps the client | What it adds |
|---|---|---|---|
| Agent accountAgents and agencies running their own bookWhere most agents start | Free | You | Shopping, subsidy applications, enrollment, client and lead records, consent records, agency tools and CSV exports |
| Full-ServiceAgents who hand the client to HealthSherpa | Free | HealthSherpa | HealthSherpa does the needs analysis, consent and enrollment and keeps the client. You earn a payout |
| Carrier-specific accountAgents set up by one carrier | Free | You | One carrier's plans, with access set up by that carrier |
As of October 2026, from healthsherpa.com. Carriers pay HealthSherpa a fee, so agents and consumers don't pay for access. Your commission still comes from the carrier.
Full-Service payouts
- A 2026 special enrollment period enrollment pays up to $50.
- A 2026 open enrollment sale paid up to $100, plus up to $50 more if the policy lasted six months.
- HealthSherpa must be the agent of record and the policy must be active.
- Payouts can change.
Access and contracting
- How you get it
- Sign up as a licensed agent with your NPN and verify your identity
- Who pays
- The carriers
- What you need first
- A state license, Marketplace registration for agent-led enrollment and your own carrier appointments
- If you leave your upline
- Your agency can release you, and you keep your account and clients
Full-Service hands the client to HealthSherpa. HealthSherpa becomes the agent of record and keeps the relationship, and the account has no export. Use a standard agent account for clients you want to keep.
HealthSherpa checks your license through NIPR but not your appointments, so unappointed carriers still show up in results.
Carriers, products and states
| Product | Type | Lines | Built for |
|---|---|---|---|
| HealthSherpa for Agents | Quote-and-enroll platform | ACA health, plus off-exchange medical, dental and vision | Agents and agencies |
| Consumer enrollment page | Website quoter | On-exchange ACA plans | Your clients |
- Carriers
- 70+
- Carrier list
- 2026 HealthCare.gov carriers
- States
- Enrollment in all HealthCare.gov states and Georgia Access. Quoting only in other state exchanges
HealthSherpa says more than 70 carriers partner with it, as of October 2026. Every on-exchange plan in the client's ZIP code shows by default.
Rates and underwriting
- Where rates come from
- Marketplace plan data and carrier-filed rates
- Fixing a wrong rate
- Tell Agent Support. The carrier's filed rate wins
Plan-fit tools
- Doctor search
- Prescription search
- Plan filters
- Expected use and budget questions
Doctor and drug searches help compare plans. They don't promise a doctor stays in network.
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | Premiums for plans in the client's county |
| Estimate | An expected subsidy before the Marketplace decides |
| Plan comparison | Plans side by side on cost, doctors and drugs |
- What you can send the client
- A PDF, an email or a link
The Marketplace makes the final subsidy decision, and the carrier may need a first payment before coverage starts.
Applications and enrollment
- Where the application goes
- Straight to the Marketplace through EDE. Other state exchanges get a hand-off
- What carries over
- Application, eligibility and changes stay in sync with the Marketplace
- E-signature
- Consent requests by email or text, saved as PDFs
ACA enrollment
- EDE status
- Approved by CMS as a web-broker hosting an EDE platform (April 2026)
- What you need as an agent
- NPN, state license, Marketplace registration, identity check and carrier appointments where required
- Consumer consent
- Consent and application review records with timestamps, revocation and PDF download
- Enrollment
- In HealthSherpa for HealthCare.gov states and Georgia Access
CMS agent authorization starts October 12, 2026 for HealthCare.gov applications. It is a separate step from the client's consent.
Website quoting and consent
Clients shop plans, apply for subsidies and enroll on your branded page. When they save their progress, a lead appears in your account.
- Ways to add it
- A link or a QR code. Framing the page on your site isn't allowed
- Your branding
- Your company name, phone, photo, logo and colors
- Where leads go
- Your HealthSherpa account, with campaign tracking
- Consent record
- Consent and identity checks are built into the page
- Which plans
- On-exchange plans only. Off-exchange plans stay agent-only
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| CMS Marketplace | Enrollment | EDE | Both ways | Sends applications and enrollments and gets eligibility back |
| RetireFlo | Client intake | Built in | In | Sends household, drugs, doctors and income into your leads |
| Spreadsheets | Export | CSV | Out | Clients, leads, follow-ups and agent-of-record risk lists |
HealthSherpa names no CRM or agency system connection beyond RetireFlo.
Getting started
Create your account
Sign up with your NPN and verify your identity.
Finish the checklist
Add licensed states, carrier appointments, agency links and your Full-Service choice.
Brand your page
Add your logo and colors and copy your link or QR code.
Enroll a client
Send a consent request, run the application and submit the enrollment.
Agent Support answers by phone, email and chat in your account. Larger agencies get an account manager, and everyone can join live or recorded training.
Mobile, users and security
Mobile
Agents work in a browser. The client's enrollment and ID check work on phones and tablets.
Users and security
- Agency admins, downlines and book permissions
- Two-factor login by text or app
- Admins control downline exports
- HealthSherpa says it meets NIST 800-53 and FedRAMP Moderate baselines
Contract and your data
- Term
- No fixed term
- Canceling
- Contact support anytime. HealthSherpa can also suspend an account without notice
- Your data when you leave
- Export your CSVs before you close. Full-Service has no export
- Terms
- Agent terms of service
Terms read in October 2026. Using the platform after a change means you accept the new terms.
What users say
What reviewers say most often, as of October 2026.
What users like
- Quoting and enrolling in one place
- Faster than HealthCare.gov
- Client dashboard and documents
- No software charge
- Helpful support
- The client enrollment link
What users dislike
- How printed quotes and applications look
- Separate logins when you work under several agencies
- Saving quotes and leads can be fiddly
- Down when the Marketplace is down
- Some split-household cases
HealthSherpa for Agents alternatives
- GetInsuredFreeACA quoting and EDE enrollment, plus state exchange portals
- Quotit$99/moACA, Medicare and group quoting on a monthly subscription
- IntegrityCONNECTFree with contractingACA, Medicare and life tools free with Integrity contracting
- HealthConnect Broker PortalQuote onlyGroup and individual health quoting through general agencies
- AgencyBloc Quote+Quote onlyGroup and individual health quoting tied to AgencyBloc
See every option in insurance quoting software.
Frequently asked questions
Is HealthSherpa free for agents?
Yes. Carriers pay HealthSherpa, so agents and consumers pay nothing for access.
Which states can I enroll in with HealthSherpa?
All HealthCare.gov states and Georgia Access. In other state exchanges you can quote, then finish on the state's site.
Is HealthSherpa an approved EDE platform?
Yes. CMS approved it as a web-broker hosting an EDE platform.
What is HealthSherpa Full-Service?
HealthSherpa enrolls the client and becomes agent of record, and you earn a payout. You lose the client relationship and can't export it.
Can I export my book from HealthSherpa?
Yes, as CSV files from a standard account. Export before you close the account.
How we researched this review. We based this review on the pricing, terms and product pages published by HealthSherpa for Agents, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan HealthSherpa for Agents quit selling or a contract term that reads different now, let us know and send the link to the page where HealthSherpa for Agents has it. Somebody here pulls up that page and checks it before we change anything on ours.