Sell smarter. Enroll faster. Earn more.
Get early access to Lucie Health — the new CMS-approved marketplace from Oscar Health that lets agents quote, compare and enroll clients across every major individual medical plan plus dental, vision and supplemental benefits, all from one screen.
The most advanced agent platform in the individual market.
Lucie Health is Oscar Health's new all-in-one storefront — one of only 11 CMS-approved enrollment platforms in the country. It links every major individual medical carrier with ancillary and supplemental products, so you can run an entire client engagement from a single dashboard.
One screen, every plan
Quote and compare every major ACA medical plan side-by-side with dental, vision and supplemental add-ons. No more bouncing between carrier portals.
Enroll in minutes
A single streamlined flow replaces paper apps and multi-carrier check-outs. Sign clients up in minutes — and serve twice as many during AEP.
CMS-approved EDE
Enhanced Direct Enrollment means clients never have to leave for HealthCare.gov. Cleaner UX, higher conversion, fewer drop-offs.
Client-mirrored view
See exactly what your client sees. Walk them through plan trade-offs in real time over the phone or in person with zero confusion.
ICHRA-ready
Oscar is positioned as the preferred ICHRA carrier, giving IHA agents first-mover access to the fastest-growing channel in employer health.
Stacked commissions
Earn on the medical plan and every ancillary or supplemental product you layer in. More lines per enrollment = more annual revenue per client.
Out-earn the agents stuck on yesterday's tech.
Oscar acquires the vast majority of its membership through the broker channel and competes on broker compensation. That means rich commissions, bonus structures, and renewal economics flow to agents who are in the Lucie ecosystem — not the ones stapling paper apps together.
- Cross-sell dental, vision & supplemental in the same session
- Open the ICHRA door to small & mid-sized employers
- Retain clients longer with better post-enrollment support tools
- Reach more prospects with less admin, automatically
Three steps to your IHA Lucie Health agent account.
Independent Health Agents is your direct path to Lucie. Sign up under our hierarchy and you get full platform access plus IHA's back-office support, training and lead flow.
Click Sign Up
Use the IHA producer-signup link below. It routes your contract directly into the Independent Health Agents hierarchy — no guesswork, no re-contracting later.
Complete Onboarding
Standard broker appointment process. We help you through certifications and any state-specific licensing questions so you're ready to write business fast.
Start Quoting & Enrolling
Log into Lucie, quote any client in seconds, and enroll them in medical plus ancillary coverage in a single workflow. Your commissions flow through IHA.
This is what cutting-edge actually looks like.
If you're still juggling six carrier portals and emailing PDFs, you're losing clients to agents who aren't.
Old way The agent falling behind
- Separate login for every carrier
- Ancillary products sold in a second visit — or never
- Client sent off-platform to HealthCare.gov mid-flow
- No ICHRA playbook — employer leads go to a competitor
- Post-enrollment support is an email chain
IHA + Lucie The agent winning the market
- One dashboard, every major carrier, every supplemental product
- Cross-sell dental, vision & more in the same session
- CMS-approved EDE keeps clients on your platform end-to-end
- Own the ICHRA conversation with employer clients
- Client-mirrored view keeps you in the loop all year long
Quick answers.
What exactly is Lucie Health?
Lucie Health is Oscar Health's new all-in-one marketplace for individual medical coverage and supplemental products. It's a CMS-approved Enhanced Direct Enrollment (EDE) platform — one of only 11 in the country — and was purpose-built for both consumers and the agents who serve them.
Why sign up through Independent Health Agents?
Going through IHA plugs you into a hierarchy that comes with full back-office support, training, marketing resources and access to group and ICHRA opportunities that solo brokers don't see. Your contract, commissions and support all run through one dedicated team.
Do I have to give up my existing appointments?
No. Lucie Health is additive. Keep every carrier you already write — Lucie just gives you a faster, better-supported way to quote and enroll in the individual market and ICHRA.
How do commissions work?
You earn commissions on the medical plans you enroll plus any ancillary or supplemental products layered in during the same session. Because Oscar competes aggressively on broker compensation, agents in the Lucie ecosystem benefit directly from that structure.
Is there a cost to sign up?
No. There is no fee to contract with Lucie Health through IHA. You're paid on the business you write.
How fast can I start writing business?
Most agents complete onboarding and certification in a matter of days. As soon as you're appointed, you can quote and enroll in Lucie.
Stop losing clients to better-equipped agents.
Lucie Health is the platform forward-looking agents are already moving to. Sign up through Independent Health Agents and get every advantage the individual market has to offer — from day one.
Sign Up Through IHA →