UnitedHealthcare ACA Commission
At BenaVest, we offer agents top-level UnitedHealthcare commissions and access to our powerful Agency Builder Platform, allowing you to earn more than standard street rates.
If you’re an Agency, you can also earn override commissions on your downline business — maximizing your revenue potential while growing your team with our full support. As one of the nation’s leading FMOs, BenaVest is committed to supporting your success every step of the way.
UnitedHealthcare COMMISSION BENEFITS
When you contract with BenaVest, you unlock industry-leading UnitedHealthcare commission rates and receive professionally formatted commission statements for easy tracking. Through our Sub-Agency Program, agents earn some of the highest payouts available. Enjoy flexible payment options like direct deposit or mailed checks — and the best part? You get paid every month!
Commission
Highest Commissions
Launch your Sub-Agency or Agency Builder Program with BenaVest to access top-level UnitedHealthcare commission rates. As your downline grows, you’ll earn increased override commissions tied directly to your agency’s performance — empowering you to scale your income and expand your business faster.
Payout
Monthly Payout
At BenaVest, we understand that consistent and timely income is essential for insurance agents. That’s why we ensure monthly UnitedHealthcare commission payouts are delivered on time, without delays. With each payment, you’ll receive a detailed commission statement sent from commissions@benavest.com, providing full transparency to help you track earnings, manage cash flow, and scale your agency with confidence.
Options
Multiple Payout Options
Get paid your way with BenaVest. We offer flexible UnitedHealthcare commission payments via check or direct deposit, so you can choose the method that works best for your business and cash flow needs.
UnitedHealthcare ACA Commission Chart
Last Updated: 11/11/2025
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH DIRECT OPTIONS’ WEBSITES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. DIRECT OPTIONS AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN DIRECT OPTIONS’ WEBSITES AT ANY TIME. ADVICE RECEIVED VIA DIRECT OPTIONS’ WEBSITES SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
Commissions
The chart above displays UnitedHealthcare commission rates by state, with most amounts paid per member, per month (PMPM) unless noted otherwise. Feel free to bookmark or save this page as a reference for your ongoing commission planning.
Contracting
Get appointed quickly and efficiently with BenaVest’s Step-by-Step Agent Contracting System — designed to keep everything organized so you can move through the UnitedHealthcare contracting process with ease. Ready to get started? Simply request your contracting link.
Need to transfer your appointment? No problem — BenaVest can help with that too.
UnitedHealthcare Contracting
Insure University and BenaVest provide the best contracting suite for all brokers and agents. Our AI Broker and Agent Contracting system will keep you in the loop throughout the entire Appointment Process.
UnitedHealthcare Training
BenaVest provides all the UnitedHealthcare training and product resources to help agents and agencies understand and sell UnitedHealthcare. Check out our UnitedHealthcare training today.
UnitedHealthcare Commissions FAQs
Get the Answers You Need
How do I get contracted and appointed with UnitedHealthcare?
Agents can request UnitedHealthcare contracting from this page. BenaVest will email you a personalized contracting link along with step-by-step directions to guide you through the contracting process.
How often will my UnitedHealthcare commissions be paid to me?
BenaVest pays out all UnitedHealthcare commissions on a monthly basis. Payments are made at the beginning of each month for the previous month. For example, commissions from January will be paid in February. February payments will be made in March and so on and so forth.
Do I need to be certified to sell UnitedHealthcare ACA On-Exchange plans?
Yes, you will need to complete your CMS/FFM Certification for that plan year. Before selling UnitedHealthcare {{mpg_lob}} plans through the federal Health Insurance Marketplace (FFM) on HealthCare.gov, you’ll need to register, sign agreements, and complete required training before you start selling any ACA insurance.
What are the commission rates for UnitedHealthcare?
UnitedHealthcare commission rates vary by state and are subject to annual change. For the most accurate and up-to-date information, refer to the commission chart on this page. It’s your best resource for current per-member-per-month (PMPM) rates and any applicable updates.
What are the commissions and bonuses for selling UnitedHealthcare plans?
UnitedHealthcare commissions are competitive and vary by state and year, while the carrier determines bonus programs that may change annually. Once you’re appointed with UnitedHealthcare, you’ll gain access to the latest commission schedules and bonus incentives directly from the carrier.
What is InsureUniversity?
InsureUniversity is BenaVest’s comprehensive training and support platform for insurance agents. It provides licensed agents and brokers with everything they need to succeed — including step-by-step training, certification resources, contracting tools, and ongoing education. Designed to help agents confidently serve clients and grow their book of business, InsureUniversity is the go-to learning hub for all BenaVest-appointed agents.
Does Benavest offer training?
Yes! Once you’re appointed with BenaVest, you’ll receive access to our exclusive InsureUniversity All-Access Training Portal. We provide a full suite of agent support, including:
-Weekly training webinars
-Compliance and sales training
Carrier-hosted webinars
These resources are designed to help you expand your insurance knowledge, stay compliant, and grow your business with confidence.
Start UnitedHealthcare Contracting Today with BenaVest
Get Started Today!
What are you waiting for? The best FMO you will ever work with wants you now! Contract with us today and start earning the highest commissions in the market.
