Next Steps After Getting Certified to Sell Individual / ACA Health Plans

Published: 10.21.2026

Now that you are certified and ready to sell Individual Health and ACA plans, here are resources to ensure the selling process is as seamless as possible.

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Selling On-Exchange Plans (Marketplace Plans)

If you are selling through the Marketplace, you will need to have your Marketplace Broker Accounts set up. This is where you will be quoting and submitting Marketplace applications as well as making policy changes.

Marketplace plans function differently than private plans. All changes must be made through the Marketplace, which will then send a report to the respective carriers in order for them to reflect the changes in their system.

Federal / State	Marketplace Website	For Assistance:
Federally Facilitated Marketplace (FFM)	Healthcare.gov Broker Resources Healthcare.gov Contact	1.800.318.2596
New Jersey	Get Covered NJ Broker Support Get Covered NJ Customer Service	1.833.677.1010
Pennsylvania	Pennie Broker Support Pennie Help Center	1.844.844.8040

For additional states, please visit the full list of state-based exchanges.

Selling Off-Exchange Plans (Private Plans)

For off-exchange quoting and enrollments, as well as managing your specific carrier book of business, be sure to set up accounts with each carrier you plan to sell.

Visit the chart below for broker portal login links as well as helpful information for all post-enrollment and member maintenance inquiries.

Ambetter/Centene
Broker Portal	Broker Services 1.855.700.7985	Member Services See member’s ID card. Varies by state.	Provider Directory	Formulary	Plan Summaries
AmeriHealth
Broker Portal	Broker Services 1.844.937.2448 Option #3	Member Services 1.844.937.2448 Option #1	Provider Directory	Formulary	Plan Summaries
Highmark
Broker Portal	Broker Services 1.800.652.9459 Option #2	Member Services See member’s ID card. Varies by state.	Provider Directory	Formulary	Plan Summaries
Horizon BCBSNJ
Broker Portal	Broker Services 1.800.355.2583	Member Services 1.800.355.2583	Provider Directory	Formulary	Plan Summaries
Independence Blue Cross
Broker Portal	Broker Services 1.800.275.2583 Option #3	Member Services 1.800.275.2583 Option #1	Provider Directory	Formulary	Plan Summaries
Oscar
Broker Portal	Broker Services 1.855.672.2788 Option #2	Member Services 1.855.672.2788 Option #3	Provider Directory	Formulary	Plan Summaries
UnitedHealthcare
Broker Portal	Broker Services 1.866.235.4095	Member Services See member’s ID card. Varies by state.	Provider Directory	Formulary	Plan Summaries

Submission Process for Off-Exchange Applications

The process for submitting off-exchange applications is unique to the enrollment period. Whether you are submitting applications during the Open Enrollment Period or during a Special Enrollment Period (SEP), our team has you covered.

	Open Enrollment	Special Election Period
Can you process a BOR?	Yes	Only if there is an SEP
Can a member make a plan change?	Yes	Only if there is an SEP

Carrier Deadlines

	Open Enrollment	Special Election Period
Ambetter/Centene	Varies by State	Last business day prior to 1^st of the following month effective
AmeriHealth NJ	12/31 for a 1/1 effective, 1/31 for a 2/1 effective	Last business day prior to 1^st or 15^th of the month effective
Highmark	15^th of the month prior to 1^st of the following month effective	15^th of the month prior to 1^st of the following month effective
Horizon BCBSNJ	12/31 for a 1/1 effective, 1/31 for a 2/1 effective	Last business day prior to the requested effective date
Independence BCBS	15^th of the month prior to 1^st of the following month effective	Last business day prior to 1^st of the following month effective
Oscar NJ and PA	Varies by State	Last business day prior to 1^st of the following month effective
United Healthcare	15^th of the month prior to 1^st of the following month effective	Last business day prior to 1^st of the following month effective

Please note that the 15th of the month effective is only valid for OFF-exchange applications during SEP.

Process by Carrier

CARRIER	OFF-EXCHANGE SUBMISSION PROCESS
Ambetter/Centene (Multiple States)	ON-EXCHANGE ONLY: Please submit the application directly from the respective Exchange (FFM or State-Based).
AmeriHealth (NJ)	Directly from Consumer Connect AH4YOU (via Sales Portal) OR you can email the completed app to us for processing * If you would like us to set up an account for you so you can submit your apps directly, please let us know (when requesting, please specify if the access is for Amerihealth, IBC, or Both)* Please note that access to the carrier portal requires a Broker to be properly appointed and “Ready to Sell” for the current year, since application submissions are linked to your NPN. We cannot set one up If you are not properly appointed.
Highmark (DE, PA, NY, WV)	Directly from Highmark Producer Portal
Horizon BCBSNJ (NJ)	Directly from your Horizon Broker Portal OR you can email the completed app to us for processing Should you require access so you can submit your apps directly, please let us know! Please note that access to the carrier portal requires a Broker to be properly appointed and “Ready to Sell” for the current year, since application submissions are linked to your NPN. We cannot set one up If you are not properly appointed.
Independence Blue Cross (PA)	Directly from Consumer Connect IBX4YOU (via Sales Portal) OR you can email the completed app to us for processing * If you would like us to set up an account for you so you can submit your apps directly, please let us know (when requesting, please specify if the access is for Amerihealth, IBC, or Both) * Please note that access to the carrier portal requires a Broker to be properly appointed and “Ready to Sell” for the current year, since application submissions are linked to your NPN. We cannot set one up If you are not properly appointed.
Oscar (NJ/PA)	Directly from your Oscar Broker Portal only – please note we are not able to submit applications on a Broker’s behalf for this specific carrier
UnitedHealthcare (NJ)	Directly from your UHC Jarvis Broker Portal only – please note we are not able to submit applications on a Broker’s behalf for this specific carrier

Need help when it comes to submitting Special Enrollment Period? Savoy has created the guide below:

✅ Individual Special Enrollment Period (SEP) Requirements

What Is the Process of Terminating an Individual Plan?
My Savoy Benefits has created the following guide to ensure that you are familiar with the process of terminating individual plans.

✅ Terminating Individual Policies - Carrier Guidelines and Reminders

Other Helpful Information:

Current Commissions Schedule

My Savoy Benefits Is Ready to Help!

If you have any questions, please reach out to our team today.
📧 rps.benefits.individualenroll@rpsins.com

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