ACA/Under 65
An accessible starting point for building confidence in insurance.
The Affordable Care Act (ACA) helps individuals and families access health coverage. For new agents, it offers a clear and practical way to begin working in the insurance industry. ACA/Under 65 introduces you to the fundamentals of client conversations, enrollment processes, and ongoing service without requiring years of prior experience.
For those new to insurance, ACA/Under 65 provides an opportunity to learn by doing. With the right training and guidance, it becomes a manageable way to build skills, gain confidence, and understand how the business works in real-world settings.
At our FMO, we support new agents as they learn ACA/Under 65 step by step. Through structured training, hands-on guidance, and ongoing support, we help you start strong and build momentum as you grow.
Get your ACA/Under 65 license
Start your insurance career with ACA/Under 65
ACA/Under 65 is often the most approachable way to enter insurance. With structured enrollment periods and year-round opportunities, new agents can focus on learning the basics while gaining real-world experience.
Get your Medicare license
Learn a new side of
the business
the business
Being proficient in both ACA/Under 65 and Medicare will build confidence and allow you to help more people. By not limiting yourself to one side of the business, you will not have to turn away any referrals. You may just welcome more of them.
Support behind the scenes
Why agents choose Baldwin Health for ACA/Under 65
Support
Real people who help you learn
As a new agent, questions are expected. You’ll work directly with experienced Regional Growth Managers and support teams who guide you through ACA, from first applications to ongoing growth.
Training
Beginner-friendly training sessions taught by experienced leaders
Our ACA training starts with the fundamentals and builds from there. We offer virtual and in-person education that explains not just what to do, but why it matters.
Tech Stack
Technology that simplifies the process
We provide access to quoting, enrollment, and operational tools that make ACA easier to manage so you can focus on learning and helping clients, not navigating complicated systems.
National footprint
National reach with local ACA/Under 65 guidance
With offices and in-market support across the country, you benefit from national ACA carrier access paired with localized insight and hands-on help.
ACA/Under 65 Carrier partners
Access to leading national ACA/Under 65 carriers.
We partner with leading ACA/Under 65 insurance carriers nationwide. As a new agent, you gain access to established carriers, along with guidance from Regional Growth Managers who understand your local market.
Product Map
Know exactly what’s available
in your local market
in your local market
Have questions?
FAQs
What is an FMO, and how does it help new ACA agents?
An FMO (Field Marketing Organization)/NMA (National Marketing Alliance) supports agents by providing carrier access, training, technology, and guidance, so you can focus on learning the business and helping clients.
Will I remain independent as a 1099 agent?
Yes. You remain an independent agent while receiving mentorship, structure, and tools to help you grow confidently.
What ACA products and carriers will I have access to?
Access depends on your licensing and market. Our team helps you understand which carriers and products are available and appropriate for where you’re starting.
How do you support agents who are brand new?
We provide onboarding guidance, foundational training, and ongoing support from experienced professionals, without pressure to rush or figure everything out immediately.
What kind of training will I receive as an ACA agent?
Training includes ACA fundamentals, enrollment processes, compliance basics, and ongoing education as you gain experience.
Is there a cost to join your FMO?
No. There is no upfront cost to explore a partnership. We’ll walk you through what’s included and which optional tools may support your goals.
FMO/NMA for all
Why agents choose Baldwin Health
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Licensed Insurance Agent
The entire team at The Baldwin Group is thorough, friendly and capable. They are such a fabulous partner to have. Thanks for all you do for Agents!
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Licensed Insurance Agent
The Baldwin Group is the best group of people I have ever worked with. They are always patient with me when I have questions I want confirmed. Always pleasant and enjoyable to talk too. I couldn't do it without their help.
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Why join our team?
Interested in starting your insurance career with ACA/Under 65?
If you’re new to insurance and looking for a clear, supported way to begin, ACA may be the right place to start. Baldwin Health provides the structure, training, and mentorship to help you learn with confidence. Let’s talk through your goals and map out your next steps, together.
