People are the mission. We build producers into leaders, and leaders into owners.
Multiply Wellness is a health insurance agency for people who want more than a commission check. Subsidies shrank, marketplace premiums jumped, and households are shopping for something better — which is exactly when an agent who can quote private healthcare, ACA and ancillary gets paid. Open enrollment starts November 1. You have to be ready before it does.
Anyone can sell a policy. Far fewer can build something that outlives the sale.
Health insurance is one of the few products a family renews every single year. That makes it a rare thing in sales — a business where the work you did last year still pays this year, and where doing right by a client is also the most profitable thing you can do.
We're here to develop people, not to churn them. If the only thing you take from your time with us is money, we didn't do our job.
You might be licensed and writing business today. You might be in solar, roofing, car sales, or serving tables. You might have never sold anything in your life. What you bring is character and work ethic — the skill is teachable, and we teach it.
You take feedback without flinching and run the play before you improve on it. The fastest producers here are the ones who stopped arguing with the process.
The freedom everyone wants is built on the discipline most avoid. Nobody is going to stand over your shoulder — which is exactly why this only works for self-starters.
You'd rather lose a sale than put a family in the wrong plan. In health insurance that's not just ethics — it's how a book of business survives past year one.
Four stages, in order. Nobody skips one, and nobody gets stuck in one because a manager needs their production.
Get licensed, get contracted, get on the phone. You'll learn the products and the conversation from people still writing business themselves.
Take your first agent and make them better than you were. A leader who can't reproduce themselves hasn't finished the job.
Your own team, your own production, your own overrides. A business inside the business, with your name on it.
Renewals that pay while you sleep, leaders who don't need you daily, and something worth handing to somebody else.
Most agencies hand you a login and a lead list and call it an opportunity. We built the training, the tools and the protections that let good people actually win — and keep what they build.
ACA has an open enrollment window. Private healthcare and ancillary don't. Three lines means you're never sitting on your hands waiting for November.
Product knowledge and sales knowledge — objection handling, underwriting, and the conversations that actually close, from leaders who still take calls. All of it virtual, live and recorded.
Carrier comp grids, a commission calculator, quoting worksheets, provider lookup and client-ready plan guides — built in-house, not bought off a shelf.
In writing. Non-solicit protection on your team, and if you ever leave debt-free, you leave with what you built. No cages.
Most of your first-year commission is advanced at submission instead of dribbled out monthly — so a heavy open enrollment pays out while the season is still on, and renews every year after.
No office, no commute, no territory. You sell by phone and video from wherever you are — your production sets your ceiling, not your zip code.
A carrier shelf deep enough to place the healthy 26-year-old, the family of five on a subsidy, and the 58-year-old who's been declined twice.
Read every line. This is the difference between a job you rent and a business you own.
Most families need more than one of these, which is why our producers rarely write a single policy per household. You learn all three.
PPO-network medical plans for people who don't qualify for a meaningful subsidy or can't wait for open enrollment. Self-employed clients, small business owners, early retirees and anyone between jobs.
Subsidized coverage for families who qualify. High volume during open enrollment, and special enrollment periods keep it alive the rest of the year for clients with a qualifying life event.
Dental, vision, accident, hospital indemnity, cancer and heart/stroke, critical illness and telehealth. The coverage that pays cash to the client when the medical plan doesn't.
Open enrollment is the closest thing this industry has to a harvest. Ten weeks where every household in the country is shopping at once — and this year, shopping harder than they have in a decade. You have to be licensed, contracted and trained before it starts. There is no catching up once the phone is ringing.
The last day we onboard before the season. Miss it and the next class starts after January.
Day one of the 2027 plan year. Everyone who's ready starts writing.
Pick a plan by this date for January 1 coverage — every state, every carrier. The busiest six weeks of your year.
The enhanced premium tax credits expired at the end of 2025. Marketplace coverage got more expensive overnight, and a lot of households who never had to shop before are now looking hard at what else is out there. That's the conversation our producers are having every day.
Households over 400% of the federal poverty level lost subsidy eligibility entirely. A family that paid a capped percentage of income now pays full freight — and wants alternatives.
The average marketplace deductible rose roughly a thousand dollars per person for 2026 as enrollees dropped to bronze plans chasing a lower premium. They're buying less coverage for more money.
When the marketplace stops making sense for a client, an ACA-only agent is out of options. You quote private healthcare, layer in ancillary, and keep the household.
Sources: KFF marketplace analysis and CMS enrollment data, 2026. Enhanced tax credits under ARPA/IRA expired December 31, 2025.
Bringing someone on mid-season does them no favors. Licensing takes weeks. Carrier contracting takes more. Training a new producer properly takes attention that every leader here will be spending on clients from November 1 onward.
So we stop. Everyone who joins works the season with a license in hand, carriers appointed and a script they've already practiced — and the people already writing get their leaders' full attention. It costs us headcount. It's worth it.
If you're reading this before the deadline above, you're in time. After that, applications reopen in mid-January for the following year — a fine time to start, but a year further out from your first season.
Move the premium and pick a contract level to see how a single case pays — what's advanced at submission, what pays as earned, and what renews every year after. Then push the cases-per-month slider to what a working producer writes in November and December.
Illustration only, using a 9-month advance. Actual commission depends on carrier, product, contract level, persistency and chargebacks — a policy that lapses takes its advance back with it. Nothing here is an offer of employment or compensation.
Tell us who you are. No résumé required — we care more about your character and your work ethic than your last job title. If there's alignment, we'll reach out personally.