Guide for completing HRAs with Spark Quote and Enroll
Can I Complete HRAs in Sunfire?
The carriers listed below, under HRAs Supported in Sunfire, are slotted to have integrated HRA in our tool.
After an application is submitted, there will be a Start HRA button on the application if there is an integrated HRA for that carrier.
Agents will be able to complete the HRA there or see the HRA on the Quote and Enroll page on the Dashboard page in the Spark platform.
HRAs Supported in Sunfire
📢 UPDATES 📢
Aetna
Aetna’s system marks the HRA as "complete" as soon as you click the link. Please ensure the HRA is fully completed and submitted, or reach out to Aetna directly to complete it.
Humana
Starting mid-August, Humana's Health Risk Assessment will be replaced by a new program called the Member Activation Initiative (MAI). You'll need to complete MAI certification in your Humana portal to qualify. Once certified, this is sent directly from Humana to Sunfire, no extra steps needed on your end.
Until MAI goes live, Humana's current HRA terms below still apply.
Carrier | Timeframe | Limitations*** | 2026 Agent Compensation*** |
Aetna | 2 Days
| Available for all SNP plans.
(See Updates above for important details) | $55 (excludes FIDE enrollments in IL)
|
Anthem | 7 Days | HRAs are suppressed for most Simply brand plans and most CSNP plans.
| SNP Plans $125
|
Healthspring | 10 Days (See Updates above for changes) | Agents must complete Cigna’s training to submit HRAs. | SNP - $100 |
Clear Spring Health | 7 Days | HRAs are available for all plans, no restrictions | N/A |
Devoted | 5 Days | HRAs are available for all plans, no restrictions | $50 |
Healthsun/Freedom/Optimum | 7 Days | HRAs are available for all SNP plans. | DSNP Plans $125 |
Humana | 10 Days | Agents must complete Model of Care (MOC) training in the Humana portal to have HRA submission access in Sunfire. HRAs are available for SNP plans. | $35 for 2026 SNP plans. |
SCAN | 3 Days | HRAs are available for all plans. | • $150 for each HRA submitted for a SCAN C-SNP enrollment (Balance, Strive) • $150 for each HRA submitted for a SCAN Connections enrollment • $150 for each HRA submitted for a SCAN Allied enrollment • $100 for each HRA submitted for a SCAN Non C-SNP enrollment |
United Health | 3 Days | HRAs are available for SNP plans. | $50 |
Wellcare/Centene | 90 Days | HRAs are available for SNP plans. Ascension plans and plans in California will not have an HRA available. | D-SNP and C-SNP $50 |
Zing | 30 Days | HRAs will be available for all plans, no restrictions. | C-SNP or D-SNP $100 |
***The information provided, including any payment amounts, is subject to change. Please verify all numbers with the carriers, as they may be updated periodically.
Tracking HRA Completion
HRA requirements and completion status are now surfaced directly within the Spark platform, making it easier to identify which enrollments require an HRA—especially those that may have been missed during the enrollment call. The platform also provides visibility into HRA completion rates for agency principals.
How It Works
Each enrollment is automatically categorized as:
Not Completed– HRA is required but not yet completed
Completed – HRA has been completed
Not Required – No HRA is required
Note: For Aetna enrollments that require an HRA, the status may display as Unknown. This is due to limitations in the SunFire/Aetna HRA integration, which may prevent HRA completion status from being reported.
Agent Prompts and Follow-Up
For recent enrollments (within ~3 days) with incomplete HRAs:
A “Complete HRA” prompt is displayed in the Sunfire Applications Dashboard (only the agent assigned to the enrollment will see this link)
A follow-up activity is created to track the outstanding task, which automatically expires after ~3 days.
Activities are automatically cleared when:
The HRA is completed
The activity is dismissed
The activity expires
Clicking HRA not completed will take you to the page below. For more information on completing an HRA, please see Complete a Health Risk Assessment (HRA).
Centralized Dashboard
HRA data is available within the applications dashboard, where you can:
View which enrollments require an HRA
Track completion status
Filter by agent, carrier, status, or date
This allows agents to manage outstanding HRAs and stay on top of required follow-up, and enables agency principals to identify coaching opportunities and work toward improved completion rates.
Important Notes
HRA data is updated on a recurring basis and may not reflect real-time completion
Some carriers require HRAs to be completed outside of integrated systems
HRA links and activities are only shown for enrollments submitted within the last 3 days, regardless of the carrier’s specific HRA completion window. In some cases, this means links and activities may no longer be visible, even though the HRA can still be completed through the carrier or Sunfire. In rare cases, an HRA may expire while the link is still active. For more information on carrier-specific timelines, refer to Complete a Health Risk Assessment (HRA).
Aetna enrollments requiring an HRA will display with a completion status of “Unknown” due to limitations in the Sunfire and Aetna HRA integration, preventing accurate completion status reporting.
HRAs completed outside of Sunfire
The following carriers require HRA submissions through their own processes
Carrier | How to Complete | Timeframe*** | Agent Payment*** |
Alignment | 1. Go to the agent portal for Alignment Health
2. Under the My Client tab, you will be able to see that there is a sub-tab for the HRA submissions.
The only plans that qualify for the HRA are the C-SNP and the D-SNP plans. | N/A | N/A |
Banner | Submitted via the Banner Portal. Instructions here.
Banner only pays for Medicare Prime and Dual DSNP.
It's a one-time payment per new member enrollment.
| N/A
Note: HRA’s are processed the 1st week after the previous month. Agents should submit HRA’s prior to the end of the month in which the enrollment was submitted. | $100 fee per valid submitted HRA’s
|
BCBS AZ | After submitting an MA app, agents must complete an HRA form via the AZ Blue online enrollment platform, Connecture. | Submitted within 10 days of the enrollment. Applies only to Medicare Advantage members; new enrollments and plan changes. | $100 |
BCBS IL, NM, OK, MT, TX | HCSC will not be compensating for HRAs in 2026. | N/A | N/A |
Caresource | Submit HNA via the carrier portal or with this HNA FORM via email to [email protected] |
|
|
El Paso Health | El Paso Health does not provide broker compensation for HRAs. | N/A | N/A |
Eternal Health | There is a link in the Broker Portal, in the "Tools" section.
Here is the link for agents to access directly. -> eternalHealth Needs Assessment | All enrollments are eligible for submission. | $200 |
Highmark | El Paso Health does not provide broker compensation for HRAs. | N/A | N/A |
KelseyCare Advantage (Seybold) | KCS discontinued the HRA incentive program beginning with 9/01/2025, effective enrollments. | N/A | N/A |
Memorial Herman | HRAs can be completed via Wipro by following the instructions here. | New member enrollments only. | $100 |
Molina |
Send the completed PDF via a secure email to
The email must include the following on the subject line: Secure_Broker Sales Medicare HRA. | N/A | $100 |
SCAN | The HRA survey must be submitted electronically using one of two methods below. No other format will be accepted for payment.
1. Complete HRA survey questions at the end of the Electronic Enrollment (on SCAN Producer Portal)
2. If not using the SCAN Producer Portal, HRA survey can be completed electronically within 3 days of application submission. | Within 3 days of enrollment. | $150 for each HRA submitted for a SCAN C-SNP enrollment (Balance, Strive)
$150 for each HRA submitted for a SCAN Connections enrollment
$150 for each HRA submitted for a SCAN Allied enrollment
$100 for each HRA submitted for a SCAN Non C-SNP enrollment (i.e., Classic, Affirm, etc.) Payments will be included in commission statements |
SOLIS | HRA’s are only available to complete for the Healthy Living Plan (HMO). No longer available for the Dual or Chronic Plan.
Once an agent begins the HRA, they only have 15 minutes to fill it out and submit. If they surpass the 15 minutes, they will need to start over.
Follow steps HERE to complete HRA. | 10 days from the application signature date | HRA’s for the HMO plan are paid at $75 and are paid with the enrollment commissions. |
***The information provided, including any payment amounts, is subject to change. Please verify all numbers with the carriers, as they may be updated periodically.