Messer Financial Group

Step-by-step guide for new agents and brokers who need to complete full Individual Marketplace registration and training for Plan Year 2026 via the CMS Enterprise Portal and MLMS.

New Agent's Guide to Registration and Training for 2026

What Medicaid/CHIP Periodic Data Matching (PDM) is, how it identifies clients dually enrolled in Medicaid and ACA Marketplace coverage with APTC, what notices clients receive, and how agents should advise…

Medicaid/CHIP Periodic Data Matching (PDM)

CareSource is exiting the Marketplace in Indiana and discontinuing its Dual Eligible Special Needs Plan (D-SNP) in Georgia effective 2027. Affected members retain coverage through December 31, 2026.

CareSource 2027 Market and Product Updates - Medicare & ACA

A running list of carriers exiting the ACA Marketplace and the states affected for the 2027 coverage year. Updated as new carrier exits are confirmed.

ACA Carrier Exits by State — 2027 Coverage Year

Answers to common questions about CMS Marketplace registration and training requirements for new and returning agents and brokers.

CMS Marketplace Registration and Training: Agent and Broker FAQ

Everything agents need to know about the Oscar 2026 New Member Bonus Program, including eligibility, payout tiers, enrollment windows, and terms.

Oscar 2026 New Member Bonus Program — Agent FAQ

How agents and brokers can use the CMS Marketplace Call Center for 3-way calls, consumer authorization, AOR changes, and enrollment updates, including the Agent/Broker Partner Line phone number and step-by-step…

Tips for Agents and Brokers Using the Marketplace Call Center

What income types to count in your estimate.

What to include as income for ACA

Requirements for ACA Premium Tax Credit eligibility, common reasons clients may not qualify, and Form 8962 reconciliation.

ACA Premium Tax Credit Eligibility

What is my Federally-facilitated Marketplace (FFM) user ID? 

What do I do if I've forgotten it?

FFM ID

What agents and brokers need to know about Form 1095-A, including when clients receive it, what it contains, how to verify it is correct, and how to find it in…

IRS Guide for ACA Agents and Brokers — Form 1095-A

How Health Savings Accounts work with ACA Marketplace coverage, which plans are HSA-eligible, and how HSA contributions affect a consumer's eligibility for Marketplace financial assistance.

Health Savings Accounts and ACA Marketplace Coverage — Frequently Asked Questions

How an offer of employer-sponsored coverage and a Medicaid or CHIP denial affects a consumer's eligibility for Marketplace enrollment, Special Enrollment Periods, and financial assistance.

Employer-Sponsored Coverage, Medicaid Denial, and Marketplace Eligibility — Frequently Asked Questions

Immigration documents and identification numbers agents and brokers need to help consumers verify lawfully present immigration status on a Marketplace eligibility application.

Verifying Immigration Status for ACA Marketplace Eligibility — Frequently Asked Questions

How catastrophic health plans work in the ACA Marketplace, who qualifies to enroll, and the rules for repaying excess APTC including the significant changes effective Plan Year 2026.

Catastrophic Health Plans and APTC Repayment — Frequently Asked Questions

Best practices for completing ACA Marketplace applications accurately, including SSN entry on EDE applications, avoiding duplicate applications, and income eligibility below 100% of the FPL.

ACA Marketplace Application Best Practices — Frequently Asked Questions

Micaela Caruccio

ACA Agent Resources

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