Move the sliders. See real dollars — not vague promises. This is the same math behind CareBetter's 100% street-level commission.
Ready now? Skip the math — apply today →Defaults reflect a typical ACA policy: 1.5 members per policy at $30/member/month in commission, writing 30 policies a month.
Per Policy, Per Month
Total Commission, Year 1
Monthly Recurring Income (by Month 12)
Annual Recurring Income (Run-Rate)
Illustrative growth of your monthly recurring commission if you keep writing at this pace and policies stay in force. Month 1 is just your first batch; by month 12 every prior month's business is still paying you every month — that's the residual. "Annual Recurring" simply annualizes that month-12 check (×12) so you can see the run-rate; "Total Commission, Year 1" is what actually lands in your account during the ramp-up year itself, which is lower since your book is still growing.
This tool models CareBetter's 100% street-level, direct-from-carrier commission structure — no seat fees or platform cuts come out of these numbers. It does not account for policy churn, lapses, or chargebacks — it only calculates policies that stay in force for the full period shown. Figures reflect the state of Florida only.
These figures are purely for informational and illustrative purposes. They are not a guarantee of income, production, or commission and are not an offer or contract. Figures reflect the state of Florida only and do not account for policy churn, lapses, or dropoff — the calculator only calculates policies that stay in force for the full period shown. Actual commission rates, payment timing, and persistency requirements are set by each carrier, vary by product and state, and can change at any time. CareBetter engages agents as independent 1099 contractors, not employees.
Paid directly from the carrier, as earned — CareBetter doesn't take a cut.
Every policy in this calculator assumes leads you're actually talking to, not cold lists.
As long as the policy's in force and you're appointed with us, the residual math above keeps compounding.
CareBetter writes DVH through two carriers. Pick one and move the slider to see the real commission on a given policy's annual premium.
Total Annual Premium
Year 1 Commission (33%)
Year 2+ Renewal, Per Year (3%)
Plan A pays 33% of paid premium in Year 1 and 3% Year 2 and beyond. For illustration only — actual premium and commission depend on the household tier and rating area written, are calculated on premium actually received and accepted by the carrier, and are subject to change.
Commissions shown throughout this page reflect the state of Florida only and are estimates for informational purposes only — not a guarantee of income, and do not account for policy churn, lapses, or dropoff. Rates are set by carriers, vary by product, state, and agreement, and can change at any time.