Stop sending clients to the marketplace
for free.
Healthcare.gov pays you nothing. TMRW writes nationwide PPO plans across all 50 states. Refer the lead, get a composite-rate quote in minutes, earn a recurring percentage of premium every month. Cigna, BCBS/Anthem, PHCS, QualCare.
Get paid for the marketplace clients you currently give away.
Refer any client who'd otherwise land on Healthcare.gov — individuals, families, freelancers, contractors, mom-and-pop businesses, startups, small companies under 20. We quote them on full PPO networks across all 50 states and you earn recurring commission every month.
Self-employed, 1099, or for your company.
Composite rates back in minutes on our private off-exchange plans. No waiting, easy access. Year-round enrollment for most products.
TMRW Benefits is a health insurance brokerage that places private off-exchange health plans for self-employed individuals, builds group benefits for employers of 2–200+, and pays commission to independent brokers who refer marketplace clients. Headquartered in New York, licensed nationwide. Direct line: 646-634-0799.
The simplest commission line you'll add this year.
No platform to learn, no exclusivity. We walk you through carrier contracting. You refer the lead. We run the quote, place the policy, service the client. You get paid.
You keep your book.
No reassignment, no exclusivity, no platform fee. Refer one client or your entire marketplace book — your choice.
Year-round enrollment.
Most off-exchange products don't wait for OEP. Refer leads any month of the year and write business 12 months a year.
Broader networks.
Off-exchange plans typically beat marketplace coverage on network breadth — clients keep their doctors, you keep the renewal.
Real human service.
Jesse handles every broker partnership personally. No tier-three escalation, no chatbot, no pretend portal.
From lead to commission in five steps.
Refer the lead
Email, form, or phone. Whatever's easiest — we don't care about the channel.
We run the quote
Composite rates back in minutes — our plans, no marketplace comparison.
Client picks a plan
We walk them through tradeoffs. You stay copied if you want.
We place + service
Enrollment paperwork, claims help, renewals — handled.
You get paid
Percentage of premium, paid monthly. Recurring as long as the policy stays active.
"Healthcare.gov pays you nothing. That's a leak in your book, not a feature of the industry."Jesse · Founder & Principal Broker · TMRW Benefits
What brokers and clients ask first.
Open by default — these are the answers your prospects search for.
What does TMRW Benefits do?
TMRW Benefits is a health insurance brokerage. We write private off-exchange health plans, group benefits for employers of 2–200+, and we run a commissioned referral program for independent brokers who want to monetize the marketplace clients they currently send to Healthcare.gov for free.
How does the broker referral program work?
You refer a client who'd otherwise enroll on Healthcare.gov. We place them on a private off-exchange plan with a broader network and pay recurring commission on every policy as long as it stays active. No platform to log into, no exclusivity, no chasing carrier appointments alone — we walk you through contracting. You keep your book.
How is this different from Healthcare.gov?
Healthcare.gov is the ACA marketplace. The plans there are subsidy-eligible but pay no broker commission and have narrower networks. Off-exchange plans aren't on the marketplace — they're sold directly through carriers and brokers, often have broader networks, and pay recurring commission as a percentage of premium.
Where does TMRW Benefits operate?
TMRW is headquartered in the New York metro area and licensed nationwide for the products we write. Carrier networks vary by state — we'll confirm coverage for any specific state before quoting. Carrier menu: Cigna, Blue Cross Blue Shield / Anthem, PHCS, and QualCare — nationwide PPO across all 50 states. Ancillary: Delta Dental, MetLife Dental, VSP Vision — no waiting periods.
How do I get started?
Three options. Brokers — apply to join the referral program at /brokers. Individuals — request a 15-minute consultation at /individuals. Employers — book a free benefits audit at /employers. Or call 646-634-0799.
Marketplace vs TMRW · the same client, two outcomes.
Same prospect. Different placement. Healthcare.gov pays brokers nothing and runs narrower networks. TMRW writes private off-exchange and pays you on every policy.
| What you get | Healthcare.gov (ACA) | TMRW · private off-exchange |
|---|---|---|
| Broker commission | $0 — brokers paid nothing | % of premium, monthly recurring |
| Enrollment window | Nov 1 – Jan 15 + SEPs only | Year-round on most products |
| Provider networks | Typically narrower / regional | Full PPO networks, all 50 states |
| Subsidy eligibility | Yes (income-based) | No subsidies — better for higher earners |
| Carrier menu | Marketplace-listed only | Cigna · BCBS/Anthem · PHCS · QualCare — full PPO, all 50 states |
| Service after enrollment | Self-serve via Healthcare.gov | Direct line to a human broker |
| You keep your book | — | Yes. No exclusivity, no reassignment |
Get a second-opinion quote in 10 minutes.
On a marketplace plan or uninsured? See private off-exchange options for your ZIP — no obligation, no high-pressure call.