Your clients in the coverage gap still need support. Here's a structured path to give it to them.
Clients who can't afford ACA premiums aren't a dead end — they're an opportunity for brokers who have a structured alternative to offer. Avyra gives you that alternative: a healthcare navigation membership with real tools, a referral program, and ongoing commissions.
- Turn unplaceable ACA leads into recurring commission
- Provide real value to clients you couldn't previously serve
- Avyra's partner portal tracks your referrals and earnings
- Non-insurance product — simpler compliance, no license required to refer
Avyra is not insurance and does not pay medical claims.
Quick Answer
For clients who can't afford ACA premiums, brokers can offer Avyra as a healthcare navigation membership. It's not insurance, but it provides real tools — provider search, RX savings, care navigation — and gives brokers a referral commission structure for this previously unserved segment.
The Three Situations Brokers Face With Unaffordable ACA Clients
There are three common situations ACA brokers face with clients who can't afford standard plans: (1) Income cliff clients who earn just above the subsidy threshold and face $500+/month premiums. (2) Coverage gap clients in non-expansion states who earn too much for Medicaid but too little for credits. (3) Healthy young adults who simply calculate that insurance isn't worth the cost for their situation. Avyra's navigation membership serves all three segments by giving them organized, self-pay care tools — not insurance, but not nothing.
Why Brokers Choose Avyra's Partner Program
Recurring commissions
Earn on every member you refer — monthly.
Custom access codes
Branded enrollment links tied to your account.
Partner dashboard
Track referrals, members, and earnings in real time.
No insurance license needed
Avyra is not insurance — simpler compliance.
What Your Clients Get With Avyra
Free to start. Everything in one organized dashboard.
Recurring commissions
Earn on every referred member — every month.
Custom access codes
Branded enrollment with your attribution built in.
Partner dashboard
Track referrals, members, and earnings in real time.
Non-insurance product
Simpler compliance — no insurance license typically required.
Client tools
Clients get real healthcare navigation tools, not just a card.
Full member platform
Your clients get provider search, RX savings, and care navigation.
How Avyra Helps
Avyra is a healthcare navigation platform. It doesn't provide care — it helps you find, compare, and organize it.
Create a free account
No insurance required. Sign up in under 2 minutes.
Search providers near you
Filter by care type, location, and self-pay friendliness.
Compare your options
View estimated pricing, telehealth alternatives, and prescription savings side by side.
Navigate with confidence
Use the AI Care Navigator to understand your options before you commit.
What Avyra does — and doesn't do
Being clear about this matters. Avyra is a navigation and affordability platform — not a healthcare provider or insurer.
Avyra does NOT
- Provide health insurance or pay medical claims
- Diagnose, treat, or prescribe medications
- Guarantee specific pricing or availability
- Replace your relationship with a physician
- Provide emergency medical services
Avyra DOES
- Help you search and compare self-pay-friendly providers
- Show estimated prescription prices at local pharmacies
- Guide you toward the right type of care before you spend
- Organize your health information and care decisions
- Connect you with telehealth, labs, and imaging options
Disclaimer: Avyra is not insurance, does not provide medical care, and does not pay medical claims. Pricing, availability, services, prescriptions, and clinical decisions are determined by providers, pharmacies, and care partners. Always confirm details directly before receiving care.
Frequently Asked Questions
Related Resources
Ready to serve clients who can't afford ACA?
Become an Avyra partner and start generating recurring commissions for referrals.
Avyra is not insurance and does not pay medical claims.