Household record
000418Reyes, A. · +2
Individuals & familiesThe machine roomPlan year 2026
Every household gets the same reading.
Ledger & Co publishes the comparison before it sells anything. Your physicians and your prescriptions are checked first, every plan that fails is removed, and only then does price get a vote. There is no consumer fee, because broker compensation is filed inside the carrier's rate.1
Ledger & Co is the machine independent agents run a book on. A household is one record. A quote is a reading of that record with the subsidy applied live. Commission is reconciled against the carrier statement line by line, and the compliance gates do not have an override.2
A decorative diagram of a punched tabulating card. It encodes the worked example used throughout this site: ZIP code 19106, age 40, no tobacco use, projected income $38,400, 244 percent of the federal poverty level, and a $352 monthly advance premium tax credit.
Or talk to the desk: (215) 555-0118Mon-Fri 8:00-20:00 ET, Sat 9:00-15:00 ET during Open Enrollment
Read before price
- Physicians2 of 2 in network
- Formulary3 of 3 covered
- Removed4 plans failed
The reading · plan year 2026
Silver 73 EPO
- Gross premium
- $448.00
- Advance credit
- −$352.00
- Net, monthly
- $96.00
Illustrative. The household, the carrier, the plan and every figure on these sheets are invented for this demonstration.
Open Enrollment opens in
31days
Nov 1 for 2027 coverage
The credit is fixed to
2ndlowest-cost Silver plan
Move up a tier and the credit does not move with you.
2026 out-of-pocket ceiling
$10,600self-only, in-network
The federal maximum a compliant plan may set.
Special enrollment window
60days from the event
Marriage, birth, a move, or losing other coverage.
Open Enrollment opens in
31days
Nov 1 for 2027 coverage
What we take from commission
$0flat fee per household
Carrier payments go to your producer number, not through us.
FFM registration
Everyplan year, no exceptions
Registration and training complete before a single application.
Export your book
Anyday, no exit fee
Machine-readable, complete, including consent records.
The house position
Four rules we will not trade away
Health insurance marketing has one aesthetic: a smiling family, a pastel gradient and no numbers anywhere. It reads as evasive because it is. This is the opposite of that.
- 01
The table is the product
Every plan in your rating area, in one grid, ranked by total expected annual cost. Not a lead form with a table behind it.
- 02
Network before price
Plans that fail on your physicians or your prescriptions are removed before price is considered at all. Price is the last filter, never the first.
- 03
The arithmetic is shown
Benchmark premium, expected contribution, advance credit, cost-sharing variant. Every number that produced your figure is on the page.
- 04
No consumer fee, ever
Commission is filed inside the carrier's rate. We are paid the same whichever plan you choose, so the ranking is not for sale.
Plan year 2026 · illustrative
The four metal tiers, priced side by side
One household: age 40, non-smoker, ZIP 19106, $38,400 of projected income, entitled to a $352 monthly advance credit. The credit is fixed to the benchmark Silver plan, so it does not grow when you move up a tier.
| Metal tier | Actuarial value | Gross premium | Net premium | Deductible | MOOP | CSR variants |
|---|---|---|---|---|---|---|
| Bronze | 60% | $312 | $41 | $7,500 | $10,600 | None |
| Silver | 70% | $448 | $96 | $4,200 | $8,900 | 73 / 87 / 94 |
| Gold | 80% | $529 | $177 | $1,600 | $6,800 | None |
| Platinum | 90% | $638 | $286 | $400 | $3,400 | None |
Illustrative figures. Real premiums vary by age, ZIP code, tobacco use, plan year and household composition. Every dollar of premium above the benchmark Silver plan is paid by you, not by the credit.
The comparison ladder
Five questions, in the order they actually matter
Each rung is a real table. The section narrows as you descend, because that is what a decision does.
Who is buying Measure Single, 40 Couple, 38 & 41 Family of four Self-employed, 52 Household income $38,400 $61,200 $74,800 $96,000 Percent of FPL 245% 285% 239% 613% Benchmark Silver $448 $911 $1,344 $704 Expected contribution $128 $374 $249 $680 Advance credit $320 $537 $1,095 $24 CSR eligible Yes, 73 AV No Yes, 73 AV No Expected contribution is the applicable percentage of household modified adjusted gross income under the current schedule.
Which metal tier Measure Bronze Silver Gold Platinum Actuarial value 60% 70% 80% 90% Gross premium $312 $448 $529 $638 After a $352 credit $41 $96 $177 $286 Deductible $7,500 $4,200 $1,600 $400 Maximum out-of-pocket $10,600 $8,900 $6,800 $3,400 Primary care visit 40% after ded. $35 $25 $15 Carries CSR No Yes No No The credit is fixed to the benchmark Silver plan, so it does not grow when you move up a tier. Every dollar above Silver is yours.
Which network Measure HMO EPO PPO Referral to a specialist Required Not required Not required Out-of-network Emergency only Emergency only Covered, higher share Typical Silver premium $412 $448 $566 Provider count, metro 18,400 22,100 41,600 Provider count, rural 2,900 3,400 9,800 Annual premium delta -$432 Baseline +$1,416 Provider counts are illustrative. Verify your own physicians against the carrier's live directory before the effective date.
Which subsidy applies Measure Premium tax credit only Premium tax credit + CSR Income band 250 - 400% FPL 100 - 250% FPL Tier required Any metal tier Silver only Effective actuarial value 70% 73, 87 or 94% Silver deductible $4,200 $800 at 94 AV Silver MOOP $8,900 $3,150 at 94 AV Reconciled at tax time Yes, Form 8962 Credit only, CSR is not reconciled Cost-sharing reductions attach to the Silver tier by statute. Choosing Bronze to save premium forfeits them entirely.
The answer Measure Recommendation Plan Keystone Mutual Silver 73 EPO Gross premium $448 per month Advance premium tax credit -$352 per month Net premium $96 per month Deductible $2,900 after CSR Maximum out-of-pocket $6,400 after CSR Why this one Both listed physicians in network, and the CSR variant beats Gold on total cost at expected utilisation. Illustrative only. A real recommendation is produced against your actual ZIP code, providers, prescriptions and household income.
The question everyone asks here
Does going through a broker cost more?
No. Not a dollar.1
Broker compensation on an ACA plan is paid by the carrier, and it is already filed inside the rate that the state regulator approved. The premium for a given plan is identical whether you enrol through us, call the carrier directly, or do the whole thing yourself on HealthCare.gov. What changes is whether anyone checked your physicians against the network, your prescriptions against the formulary, and your income against the cost-sharing bands before you signed.
- Enrolling through Ledger & Co
- $448.00 per month
- Enrolling directly with the carrier
- $448.00 per month
- Enrolling on HealthCare.gov
- $448.00 per month
Two audiences, one publication
The front section, and the markets section
A broadsheet already knows how to serve two readerships with one masthead. You turn to the section you came for.
For individuals & families
You have three weeks and four columns of numbers.
Bring your ZIP code, your household, your physicians and your prescriptions. We remove every plan that fails on network or formulary, model the survivors at three levels of use, and hand you one recommendation with the runner-up and the reason it lost.
- Plan selection against your own providers and drugs
- Subsidy review, FPL banding and CSR eligibility
- Special enrollment inside the sixty-day window
For licensed agents
Your book is an asset. Most software treats it as a mailing list.
Household records rather than policy rows, quoting with the subsidy applied live, commission reconciled line by line against the carrier statement, and compliance gates with no override. Flat fee per household. We never touch the commission stream.
- Migration in three steps: export, normalise, reconcile
- Renewal desk ranked by exposure, not alphabetically
- Full export of your book, any day, no exit fee
From the agents on the platform
The desk, in their words
- The renewal desk found $14,000 of unposted PMPM in my first month.D. Okafor, PA
- My book migrated in four days, reconciled, with no lost consents.H. Reyes, IL
- Side-by-side quoting with the subsidy already applied. Finally.A. Patel, AZ
- Benchmark alerts caught a carrier exit before my clients read about it.J. Chen, CA
- It looks like a rate table because that is what the job actually is.E. Brandt, MA
- The SEP document checklist alone paid for the year.C. Hayes, FL
- First platform that treats a household as one record, not six policies.M. Vega, TX
- I stopped keeping a spreadsheet next to the CRM. That is the review.D. Okafor, PA
When somebody takes a tier-four drug, the formulary is the plan. Everything else is decoration. This is the first desk I have used that puts the drug list in front of the premium instead of behind it.
Verified agent
- Name
- Eleanor Brandt
- Record
- Invented
- Resident state
- MA
- Desk
- Boston
- Appointed
- Longmeadow Health, Keystone Mutual
- First plan year
- 2009
A real listing would carry a National Producer Number, verifiable in the national registry. This one does not: the agent is invented, and a plausible number in the format NIPR issues could collide with a working producer's licence.
The sorter
Six carriers, one read position
Every carrier an agent writes behaves differently at renewal: a different network shape, a different commission mechanic, a different way of failing. All six below are invented for this demonstration. Put one in the read position and the rest wait in their pockets.
1/6
01Harrisburg, PA · est. 1948
Keystone Mutual
- Networks
- HMO, EPO
- Metal tiers
- Bronze, Silver, Gold
- Illustrative PMPM
- $24
- Commission posts
- 15th of the month
- Quality rating
- Not rated - insufficient enrollment for QRS
No PPO anywhere in the footprint. Out-of-area students are a recurring problem.
Full profile02Springfield, MA · est. 1971
Longmeadow Health
- Networks
- HMO, PPO
- Metal tiers
- Silver, Gold, Platinum
- Illustrative PMPM
- $22 new, $18 renewal
- Commission posts
- 20th of the month
- Quality rating
- Not rated - insufficient enrollment for QRS
New-versus-renewal commission split, so the second year pays less.
Full profile03Austin, TX · est. 2004
Cordelia Health Plans
- Networks
- HMO, EPO
- Metal tiers
- Bronze, Silver
- Illustrative PMPM
- $19
- Commission posts
- 10th of the month
- Quality rating
- Not rated - insufficient enrollment for QRS
Narrow rural networks. Check specialists in any county outside a metro.
Full profile04Chicago, IL · est. 1993
Ninth Street Health
- Networks
- HMO, EPO, PPO
- Metal tiers
- Bronze, Silver, Gold
- Illustrative PMPM
- $21 new, $16 renewal
- Commission posts
- 25th of the month
- Quality rating
- Not rated - insufficient enrollment for QRS
Renewal PMPM drops by a quarter, so a static book slowly earns less.
Full profile05Tampa, FL · est. 2014
Verano Coverage
- Networks
- HMO
- Metal tiers
- Bronze, Silver, Gold
- Illustrative PMPM
- $26 new, $20 renewal
- Commission posts
- 1st of the month
- Quality rating
- Not rated - insufficient enrollment for QRS
Churn. A book written entirely on Verano looks better in year one than in year three.
Full profile06Portland, OR · est. 1962
Harbor & Vale
- Networks
- EPO, PPO
- Metal tiers
- Silver, Gold, Platinum
- Illustrative PMPM
- $18
- Commission posts
- 5th of the month
- Quality rating
- Not rated - insufficient enrollment for QRS
Lowest PMPM on the platform. You write it because clients keep it, not for the rate.
Full profileThe calendar rules everything
Three dates decide the year
Miss January 15 without a qualifying life event and the next ordinary chance to enrol is eleven months away.
Nov 1
Open Enrollment opens
The Marketplace opens for the following plan year. Window shopping usually opens about a week earlier.
Dec 15
January 1 deadline
Enrol or change plans by this date for coverage effective January 1. The busiest single day of the year.
Jan 15
Open Enrollment closes
The federal window closes. After this, only a qualifying life event opens a special enrollment period.
The Ledger notebook
Notes from the desk
The Silver trap, and why the cheapest plan is usually the expensive one
Between 100 and 250 percent of the federal poverty level, buying Bronze to save the premium is the most common and most costly mistake on the Marketplace.
When the benchmark moves, your whole book moves with it
The second-lowest-cost Silver plan is a number almost nobody watches, and it silently repriced every subsidised household in the rating area.
How to read a network before it reads you
Premium is printed in large type. Network adequacy is not printed at all. Here is the order to check it in.
Next
Start with the table, not the phone call.
Open the comparison ladder and read the whole argument before you speak to anyone. If you would rather talk it through, the desk is open.