Are you ready to sell
before Oct 15?
Medicare AEP opens October 15, 2026. ACA/individual OEP opens November 1, 2026. Contracting, certifications, and E&O renewals all have to be done before the phones start ringing — not after. Here’s exactly where you stand.
Your AEP/OEP Readiness Checklist
Check off what you’ve already completed. This stays on your screen only — nothing is saved or submitted, so be honest with yourself.
Why “early” contracting actually means now
Every AEP, the same bottleneck repeats: agents who wait until September or October find that the pipes are already clogged.
Carrier processing queues back up
As the deadline approaches, carriers and FMOs receive a surge of contracting submissions. What takes days in July can take weeks in September when everyone files at once.
Certifications take real time to clear
AHIP and carrier certifications often require exam attempts, background checks, and system syncing between the carrier and NIPR before you’re marked “ready to sell.”
Compliance reviews aren’t instant
Marketing materials, scripts, and ads need to clear compliance review before you can use them. Late submissions risk being reviewed after the season already started.
Lost selling days are lost commissions
Every day you’re not yet appointed and certified is a day competitors are already enrolling the clients you could have written.
Not fully ready? Start contracting with Broker’s Broker today.
Our team helps independent agents fast-track carrier appointments, certifications, and E&O verification so you’re cleared to sell well before Oct 15.
Start Contracting With Broker’s Broker