Plan Year 2027 · Agent & Broker Resource
Your resource for ACA agent and broker registration, training, certification, and enrollment — whether you sell through the Federal Marketplace or a State-Based Marketplace.
If you sell in a state that uses the Federally-facilitated Marketplace (FFM) on HealthCare.gov, you certify once through CMS. This single certification also covers State-Based Marketplaces on the Federal Platform (SBM-FPs).
Primary resource. Create or sign in to the CMS Enterprise Portal (via Login.gov or ID.me) to complete Marketplace registration and training.
CMS step-by-step guide for returning agents and brokers (Plan Year 2027).
Official CMS video playlist walking through registration, training, and the Marketplace tools.
Pinnacle Financial Services’ HealthSherpa enrollment platform for quoting and enrolling ACA clients.
Training videos and best practices for using HealthSherpa to quote, enroll, and manage ACA clients.
Agents in these states (plus Washington, D.C. exceptions noted in the state section) certify entirely through the CMS/FFM process above — no separate state Marketplace certification is required.
These jurisdictions run their own State-Based Marketplace or require a separate state certification in addition to (or instead of) the federal process. Find your state below.
Arkansas Health Insurance Marketplace
Arkansas enrolls through HealthCare.gov, but also requires a separate state Exchange Producer certification. Complete the federal CMS training and the Arkansas state training each year, then apply for or renew your Exchange Producer license via NIPR.
Covered California
Hold an active California accident & health license, complete Covered California’s certification training, and sign the required agreement. Once certified you gain access to the agent portal to quote and enroll clients.
Connect for Health Colorado
Maintain a current Colorado accident & health license and E&O coverage, complete the annual certification training, and electronically sign the Producer’s Agreement. Then request your broker portal account.
Access Health CT
Hold an active Connecticut health producer license, register with Access Health CT, and complete the required annual broker training in their learning system. Certified brokers can then enroll consumers on the AHCT platform.
DC Health Link
Hold a DC producer license and obtain carrier appointments, complete the DC Health Link broker training, then submit your business information to register. Once approved you can manage quotes and enrollments in the broker portal.
Georgia Access
Georgia moved off HealthCare.gov to its own marketplace, Georgia Access. Hold a Georgia accident & sickness license, complete the Georgia Access certification training and pass with 80%, create your Agent Portal profile, and appoint with participating issuers.
Your Health Idaho
Be licensed and in good standing with the Idaho Department of Insurance, complete the training modules in Your Health Idaho’s learning system and pass the exam (90% minimum), then review and attest to the Producer Agreement.
Get Covered Illinois
Illinois launched its own State-Based Marketplace. Hold a Health line of authority with the Illinois Department of Insurance, complete the Get Covered Illinois training and score at least 80%, sign the User’s Agreement, then set up your Broker Portal account. Plan Year 2027 training is now available.
kynect (Kentucky Health Benefit Exchange)
Hold an active Kentucky health insurance license, complete the kynect agent certification training and assessment, then activate your account in the kynect Agent Portal. Training materials and toolkits are on the state’s Agent & kynector resource page.
CoverME.gov
Hold an active health line of authority with the Maine Bureau of Insurance, complete the online broker training in the CoverME.gov learning system and pass the exam, then register through the portal. The state reviews registrations (about 7–10 days) before you can sell Marketplace plans.
Maryland Health Connection
Hold a current Maryland producer license and carry E&O insurance, complete MHBE’s broker authorization training, and pass the Consumer Assistance Exam (FFM or other-state training does not substitute). Renew training annually and reapply every two years.
Massachusetts Health Connector
Hold an active Massachusetts producer license, register for a broker account through the Health Connector business portal, complete the certification training, and review the broker Terms & Conditions. Once certified you can manage individual and group enrollments.
MNsure
Hold an active Minnesota accident/health license, register through MNsure’s Broker One Stop, complete the annual certification training and assessment, and sign the broker agreement. Recertify each year before open enrollment.
Nevada Health Link
Obtain a Nevada health insurance license, then complete the onboarding steps on Nevada Health Link’s Brokers & Agents page — create a producer account and complete the state certification training. Recertify annually.
Get Covered New Jersey
Be a licensed New Jersey producer, submit the Get Covered NJ “Broker Intent to Sell” form, complete the required training modules, sign the Broker Acknowledgment, and get appointed with each carrier. Complete requirements about a week before open enrollment begins.
beWellnm
Hold an active resident (or approved bordering-state) license, complete beWellnm’s certification training and pass with 80% or higher. Recertify annually before open enrollment. Certified brokers use the beWellnm broker portal to enroll clients.
NY State of Health
Hold a valid NY Department of Financial Services license, create a NY.gov ID, and register a broker account. NY State of Health verifies your license, then emails instructions to complete the online certification course(s). Once certified you can enroll individuals and families.
Oregon Health Insurance Marketplace
Oregon is launching its own State-Based Marketplace platform for Plan Year 2027. Hold an active Oregon health license and complete the new Oregon Marketplace certification training through the state’s enrollment-partner training page. Keep your CMS training current for any pre-2027 (HealthCare.gov) enrollments.
Pennie
Hold an active Pennsylvania accident/health license, create a Pennie broker account, and complete the annual Pennie broker certification training. The Plan Year 2027 certification deadline is November 30, 2026. Once certified you can be designated by clients and enroll them through the Pennie portal.
HealthSource RI
Hold an active RI health license, then contact HealthSource RI to be credentialed or attend a scheduled broker training session. Note: carriers do not pay broker commissions on individual & family plans in RI, so most broker activity is on the group/SHOP side.
Vermont Health Connect
Vermont runs its own marketplace (not HealthCare.gov), but there is no separate broker certification program. Maintain an active Vermont health insurance license and you may assist individuals and families with Vermont Health Connect enrollment directly.
Virginia’s Insurance Marketplace
Virginia moved off HealthCare.gov to its own marketplace. Hold an active Virginia accident/health license, create an account and register on the agents page, and complete the state agent certification training. Once certified you can enroll individuals and families.
Washington Healthplanfinder
Hold an active Washington health producer license, request a Learning Management System account through the Health Benefit Exchange, complete the certification training, pay the certification fee, and submit the signed user-access agreement. Recertify annually.
No state matches “.” Check the spelling, or your state may be covered by the Federal Marketplace certification.
Need a hand?
Whether you’re registering for the first time or getting ready to sell in a new state, I’m here to help you get certified and contracted the right way.
Samuel Tripp
Sales Director – ACA
Pinnacle Financial Services
