Save your employers over $3500 a year per employee.

New “family glitch” laws have made subsidized healthcare more accessible for families. Partnering with a Compass individual health broker, you can find new affordable plans for your client’s employees.
What is the Family Glitch?
Where old laws typically denied an employee’s family access to federally-subsidized health plans, new regulations allow qualifying families to get coverage on the marketplace at an affordable rate.
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What are the new regulations?
Before recent changes, a family’s eligibility for subsidized health plans was determined by the affordability of an employer’s individual health plan—regardless of the cost for a family plan.
Regulations were changed for the 2023 Open Enrollment Period to allow more access to federally-subsidized healthcare for families with high-premium employer plans. The new regulations allow an employee’s family to be enrolled in a subsidized marketplace plan when the employer-sponsored family plan costs more than 9.12% of the gross household income.
With many employer family plans costing as much as 20% of the household’s income, your clients may qualify for more affordable options that meet their needs.
Employer Contribution
Employee's Premium
Average monthly costs for employer-sponsored plan
Average monthly costs for federal marketplace plan
Average monthly costs for employer-sponsored plan
Employer Contribution
Employee's Premium
Average monthly costs for a Federal Marketplace plan
Employer Contribution
Employee's Premium
Use the calculator to see how much you can save your clients.
How many employees does your client have?
Client's average annual savings
Is your client eligible for a subsidized plan?
It only takes a few clicks in the Compass calculator to see if your client qualifies to enroll in a marketplace plan. Access the calculator to save your client hundreds.
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Our Solutions
Why join Compass?
With industry-best technology, marketing, training, and support, you’ll be equipped to sell more than ever before.
Agents Contracted
Custom Software Apps
It’s vital that agents have the best and most efficient tools available to run their business. Our industry-leading techology systems were built in-house FOR agents BY agents to increase your efficiency.
The biggest bottleneck for new and veteran agents is getting in front of new clients. We’ll help you outline a personalized marketing plan to keep your pipeline full.
Our carriers consistently praise our trainings as the best in the industry. We train our agents on everything from legislation changes to product updates.
Whether you’re a veteran agent or you’re just getting started, we give you the support you need to take your business to the next level.
Our proven systems and processes will help you conduct your business compliantly and protect your book of business and your livelihood.
A win-win for your clients and their employees.
Working with an individual broker, you can offer unique value by saving your clients and their employees money.
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