For licensed ACA agents and agencies
Paying $100s for bad leads?
Submit ours. Earn $4-$15 PMPM.
Pre-qualified ACA members with pre-filled applications ready to submit. You review, submit, and earn recurring commissions for the life of their plan.
Powered by Florence AI
Same tools as HealthSherpa. 10× throughput.
Pre-qualified leads. Submit in one click.
$0 lead cost5-6 min per enrollRecurring
$0
Lead cost to you
$4-$15
Per member per month
34
States live today
$0
Cost to join
The agent reality
Sound familiar?
Fighting for the same leads
You're competing with dozens of agents on the same lead gen platforms. By the time you call, they've already talked to three other agents.
Paying $50-$100 per lead just to get ghosted
You're spending money before you earn a dime. Half don't pick up. A quarter aren't even eligible. Your lead cost eats your commission before you submit.
Spending more time chasing than enrolling
The actual enrollment takes 10 minutes. Finding someone qualified and ready takes hours. The ratio is backwards.
No recurring relationship
You enroll someone, they disappear. You have no way to stay in touch, help them at renewal, or know if they're still on the right plan.
Compliance paperwork is a headache
Consent forms, attestation, ID verification, documentation. You're a licensed professional spending half your time on admin.
HealthSherpa gives you nothing
No branded presence. No member portal. No way for your clients to find you again. You're invisible after enrollment.
How it works
We find them. You enroll them.
We attract the members
Our marketing brings self-employed Americans, freelancers, and small business owners to AskFlorence. These are people who qualify for subsidized ACA plans and don't know it yet.
They see their real price
Members enter their info on our platform. They see their subsidized plan price in 30 seconds. They compare plans, check medications, find their doctors. By the time they're ready to enroll, they know exactly what they want.
You get a ready-to-submit package
Member info, plan selection, income details, medication needs, provider preferences. All pre-filled. Consent and attestation collected electronically. ID uploaded.
You review and submit
Verify the information. Submit the application. Done. Typical time: under 5 minutes per enrollment.
You earn recurring commissions
Carriers pay $18-$30 PMPM. You earn your split for as long as the member keeps their plan. Recurring. Compounding. Your book of business grows every month.
Partnership models
Choose how you want to work.
Model A
Full Service
50/50 split
You call the member, gather info, explain plans, and submit the application. Relationship-heavy work. Higher per-member payout.
Great for agents who want deeper client relationships.
Time per enrollment
30-60 min
Peak adds/month
~50-150
Model B
Submit-Ready
80/20 split
We send a complete application package. You review, verify, submit. 5-6 minutes each. Lower per-member rate, dramatically higher volume, bigger book.
Great for agents who want to scale without adding hours.
Time per enrollment
5-6 min
Peak adds/month
~500-1,000
Both models include recurring commissions, branded agent profile, member portal access, renewal alerts, and dashboard.
What you get
More than a lead source. A platform built for agents.
Branded Agent Profile
Your own page on AskFlorence where clients can find you, see your credentials, and reach out directly. Your face, your name, your brand.
Member Portal
Your enrolled clients get a portal where they can see their plan details, digital insurance card, and contact you. They automatically see plan updates based on their medications and providers. At renewal, they review options and you just submit.
Dashboard
See your full book of business. Track enrollments, commissions, retention, and growth. Know exactly where you stand.
Renewal Alerts
Get notified before your members' plans auto-renew. Proactively reach out with better options. Retain more members. Earn more commissions.
Pre-Qualified Leads
Every member who comes through AskFlorence has already entered their info, seen their subsidized price, and chosen a plan. They're not browsing. They're ready.
Compliance Built In
Electronic consent, attestation, and ID collection handled through the platform. No chasing paperwork. Everything documented and stored securely.
The math of volume
Submit-ready isn't less commission. It's 10x the throughput.
Full-service agents close one enrollment per 30-60 minutes. Submit-ready agents close one every 5-6 minutes. Same 8-hour day, very different book sizes. Here's what that looks like over time, assuming AskFlorence keeps your lead pipeline full.
| Horizon | Full Service (50/50) | Submit-Ready (80/20) | ||
|---|---|---|---|---|
| Members | Monthly | Members | Monthly | |
| Year 1 | ~400 | $4,600/mo | ~2,400 | $11,000/mo |
| Year 2 | ~720 | $8,300/mo | ~4,300 | $19,900/mo |
| Year 3 | ~1,000 | $11,200/mo | ~5,900 | $26,900/mo |
| Year 5 | ~1,500 | $17,300/mo | ~10,000 | $46,000/mo |
Year 1
Full Service
~400
members
$4,600/mo
Submit-Ready
~2,400
members
$11,000/mo
Year 2
Full Service
~720
members
$8,300/mo
Submit-Ready
~4,300
members
$19,900/mo
Year 3
Full Service
~1,000
members
$11,200/mo
Submit-Ready
~5,900
members
$26,900/mo
Year 5
Full Service
~1,500
members
$17,300/mo
Submit-Ready
~10,000
members
$46,000/mo
The key insight
At Year 3, the submit-ready agent earns 2.4x more per month than the full-service agent. By Year 5, it's 2.7x. Lower per-member rate is more than offset by 6x the members.
Assumes $23 PMPM carrier rate, ~80% year-over-year retention, and sustained lead flow from AskFlorence. Some carriers pay up to $30 PMPM.
Projections based on industry-standard commission rates and observed throughput. Actual results depend on carrier, state, plan mix, and lead pipeline.
Why this exists
We built this because the system failed us.
For three years, my wife and I were stuck in the Medicaid Death Loop. Healthcare.gov showed us $960/month. Medicaid kept denying us. Insurance agents we talked to put us in $450/month plans with $5K deductibles. Nobody mentioned ACA subsidies.
It wasn’t until a chance encounter with an ACA agent that we found out we qualified for a $1,100/month plan at $7/month with a $0 deductible after subsidies. The information was always there. The system just buried it.
There are 68 million Americans in the same situation right now. We built AskFlorence to fix that. And we need great agents like you to help us reach them.
Questions
Frequently asked.
Ready to grow your book?
Join the AskFlorence agent network. Pre-qualified leads. Recurring commissions. A platform that works for you, not against you.
Join the Agent NetworkHave questions? Email us at agents@askflorence.health