Spark: The all-in-one platform Medicare agents use to quote, enroll, and grow.
Spark is a Medicare-specific CRM, quoting & enrollment engine, marketing center, contracting hub, and commissions tracker — all in one screen. Get contracted through Independent Health Agents and replace the five tools you’re juggling now.
10,000+ broker partners
250,000 enrollments in 2025
84% client retention
+40% Growth in agency enrollments after switching to Spark
The easiest all-in-one platform Medicare agents have ever used.
Spark is a technology-enabled brokerage purpose-built for top Medicare producers and agencies. Instead of paying for a CRM, a quoting tool, a marketing tool, a commission tracker, and a contracting portal — you get them all in one place, for free, with a team that actually answers the phone.
Quote & enroll in one flow
Spark's Sunfire integration pulls client data from your CRM straight into quoting and enrollment — no re-keying, no tab-switching, no dropped apps.
Built-in agent CRM
Every lead, call, SOA, and policy in one timeline. Never lose a client again because you couldn't find the last conversation.
Automated marketing
Retention emails, birthday touches, AEP campaigns — sent automatically so your clients stay yours year after year with zero extra work.
Commissions, clearly
See every commission from every carrier in one dashboard. No more chasing statements or wondering where a payment went.
Fast, digital contracting
Spark onboarded 60,000 broker contracts in a single year. E-sign, auto-routing, status tracking — no paper, no guessing.
Real agent support
Spark's NPS is 91 — higher than Apple's. That's what it feels like when your FMO's back office actually has your back.
Less admin. More time selling. Bigger books.
Top agents on Spark aren’t working harder — they’re working smarter. The platform quietly removes the worst parts of the job (duplicate entry, lost leads, messy commissions) so the hours you used to lose go back into sales and service.
No double entry between quoting and enrollment
Automated AEP + retention campaigns built for Medicare
Every carrier commission in one clean report
Back-office team that answers — contracting, licensing, leads
1M+
Hours saved for Spark agents in 2025 alone
60K
Broker contracts processed in a single year — fastest onboarding in the business
Three steps to get contracted on Spark through IHA.
Independent Health Agents routes your Spark contracting directly through our agency hierarchy — so you get the Spark platform plus IHA-level support, training and carrier access.
Click Sign Up
Use the IHA-specific Spark contracting link below. Your request lands in the Independent Health Agents hierarchy automatically.
Finish Digital Contracting
E-sign your carrier appointments inside Spark's portal. Certifications, NPN, E&O — all uploaded and tracked in one place.
Start Quoting & Enrolling
Log in, pull up a lead, and quote every Medicare Advantage, PDP, and Med Supp plan in your state in seconds. Enroll without leaving the screen.
Frequently Asked Questions
What is Spark Advisors exactly?
Spark Advisors is a technology-enabled FMO / brokerage for Medicare agents and agencies. It combines carrier contracting, a CRM, quoting and enrollment, marketing automation, and commission tracking into a single platform — all free for the agents who use it.
Will I still own my book of business?
Yes — always. Unlike most FMOs and aggregators, IHA agents keep 100% ownership of their book. Your Agent of Record, your renewals, your client relationships stay with you — period. If you ever leave IHA, you take everything with you. We treat agents as the independent professionals they are. That’s also why we’re selective: IHA only accepts agents with the experience and values we represent — so you’re working alongside peers you’d be proud to share a roster with.
Will my commissions go down if I move to IHA?
I'm an experienced agent — what will IHA teach me that I don't already know?
Honestly? Probably nothing about how to sell. Our agents already know the craft.
What IHA gives experienced producers isn’t training — it’s leverage:
- Direct-to-carrier pull for upgraded contracts and faster RTS approvals
- Earlier intel on CMS rule changes so you’re never caught flat-footed in October
- A peer Slack where 100+ producers share what’s working, debate plan design, and flag carrier issues in real time
- Spark + white-label tech so you stop paying for a separate CRM and personal enrollment site
- A contracting team that handles AOR transfers, recerts, and SureLC chasing — so you spend more time in front of clients
If you’re already good, IHA makes you faster. If you’re already big, IHA makes you more efficient. We’re not here to teach — we’re here to remove friction.
Why contract with Spark through IHA?
Going through Independent Health Agents plugs you into our hierarchy so you get Spark’s technology plus IHA’s back-office, training, lead support and group/ACA/ICHRA opportunities that pure Medicare FMOs can’t offer.
Does it cost anything?
No. Spark’s platform is free to agents. You’re paid standard commissions on the business you write, and Spark is compensated on the override side — your commissions are not reduced.
Do I have to give up my existing carrier appointments?
Not necessarily. Many agents keep their existing appointments and add new carriers through Spark. Your IHA contact can walk through what makes sense for your book.
What carriers does Spark support?
All the majors — Humana, Aetna, UnitedHealthcare, Wellcare, Cigna, Anthem/Elevance, and many regional plans. Spark’s back office handles the contracting across every carrier in one request.
How fast can I start selling?
Most agents are ready to quote and enroll within days of submitting contracting, assuming AHIP and state certifications are already in place.