Commissions & Overrides

2027 Agent & Override Commission Guide

2027 brings higher Medicare street level commissions, including a 14% increase for Part D plans and about 4.5% for Medicare Advantage. These are the maximum rates CMS allows carriers to pay agents and brokers directly. Your override commissions from Topflight are earned in addition to these base commissions.

Source: Centers for Medicare & Medicaid Services, 2027 maximum broker compensation (via Ritter Insurance Marketing) · Last updated: September 26, 2026

Base Rates

Maximum Agent Commissions (CMS Base Rates)

Medicare Part D Prescription Drug Plans

Commission Type	2026 Rate	2027 Rate	Increase
Initial Commission (Year 1)	$114	$130	+14%
Renewal Commission (Year 2+)	$57	$65	+14%
Monthly Renewal Amount	$4.75/mo	$5.42/mo	+$0.67/mo

Note: We are not aware of any carriers paying PDP street level commissions for 2027.

Medicare Advantage (MAPD) Plans by Region

Region	2026 Initial	2027 Initial	2026 Renewal	2027 Renewal	Increase
California & New Jersey	$864	$902	$432	$451	+4.4%
Connecticut, Pennsylvania & DC	$781	$816	$391	$408	+4.5%
National (All Other States)	$694	$725	$347	$363	+4.5%
Puerto Rico & U.S. Virgin Islands	$474	$495	$237	$248	+4.4%

Monthly Renewal Breakdown for MAPD Plans

CA & NJ:$37.58/mo
CT, PA, DC:$34.00/mo
National:$30.25/mo
PR & USVI:$20.67/mo

Key Information

These are the maximum CMS-allowed rates that carriers pay agents directly
Override commissions shown in sections below are earned in addition to these base commissions
Your total income = Base Agent Commission + Override Commission from TopFlight Insurance
Referral fees remain at $100 for MA plans and $25 for PDP plans
Source: Centers for Medicare & Medicaid Services (CMS) - June 2025 Memo

PDP Overrides

Year 1 Prescription Drug Plan Overrides

Currently we are not aware of any carrier paying PDP overrides, and we are not aware of any carriers paying PDP street level commissions for 2027 either.

MAPD Overrides

Medicare Advantage Override Schedule

Understanding Your Total MAPD Income

Your total Medicare Advantage earnings consist of TWO parts:

1. Base Agent Commission (from carrier): $694-$864 depending on your state
2. Override Commission (from TopFlight): Shown in the table below by carrier and level

Example: A National MAPD sale = $694 (carrier) + Override amount = Your total commission

Level Legend · click a level to filter

Senior Marketing Organization

Field Marketing Organization

Regional Marketing Organization

Master Marketing Organization

Senior General Agent

Silver Level

General Marketing Organization

Managing General Agent

Local Marketing Organization

General Agent

Bronze Level

carrier-specific level

Showing 172 of 172 rows across 46 carriers

Carrier	Payment Structure	Level	# Agents	# New Enrollments	National - New	National - Renewal	National - Monthly
Aetna	Paid by carrier	RMO	100	1000	$175	$65	$5.42/mo
		MMO	65	500	$150	$55	$4.58/mo
		GMO	25	250	$125	$45	$3.75/mo
		LMO	2	100	$85	$30	$2.50/mo
Alignment	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Anthem	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Astiva Health	Paid by top-of-hierarchy	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Banner	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS AZ	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS IL	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS MT	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS NC	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS NM	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS OK	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS SC	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS TN	Paid by top-of-hierarchy	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
BCBS TX	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$125	$63	$5.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Blue Shield of CA	Paid by top-of-hierarchy	FMO	100	1000	—	—	—
		SGA	50	500	—	—	—
		MGA	25	250	—	—	—
		GA	5	100	—	—	—
CareSource	Paid by top-of-hierarchy	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Cigna-Healthspring	Paid by carrier	SGA	25	300	$180	$75	$6.25/mo
		MGA	10	300	$130	$50	$4.17/mo
		GA	3	100	$80	$25	$2.08/mo
Clever Care	Paid by carrier	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Clover	Paid by carrier	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Community Health Choice	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Devoted	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Doctor's Healthcare Plan	Paid by top-of-hierarchy	SGA	100	1000	$175	$88	$7.33/mo
		MGA	50	500	$150	$75	$6.25/mo
		GA	25	250	$100	$50	$4.17/mo
El Paso Health	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Emblem Health	Paid by top-of-hierarchy	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Essence Healthcare	Paid by carrier	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Eternal Health	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Florida Blue	Paid by carrier	Silver	15	300	$150	$75	$6.25/mo
Florida Blue	Paid by carrier	Bronze	5	100	$75	$37	$3.08/mo
Freedom	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Gold Kidney	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Healthsun	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Highmark	Paid by top-of-hierarchy	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Humana	Paid by top-of-hierarchy unless Direct	SGA2 Direct-SGA	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Imperial	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Kelsey Seybold	Paid by carrier	FMO	100	1000	$400	$200	$16.67/mo
		SGA	50	500	$300	$150	$12.50/mo
		MGA 1	25	250	$250	$125	$10.42/mo
		MGA 2	25	250	$200	$100	$8.33/mo
		GA	5	100	$100	$50	$4.17/mo
Memorial Hermann	Paid by top-of-hierarchy	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Molina	Paid by carrier	SGA	65	1000	$150	$100	$8.33/mo
		MGA	25	500	$100	$75	$6.25/mo
		GA	2	100	$40	$20	$1.67/mo
Prominence Health Plan	Paid by top-of-hierarchy	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Scan	Paid by carrier	SGA	30	300	$150	$75	$6.25/mo
		MGA	20	200	$125	$63	$5.25/mo
		GA	10	100	$100	$50	$4.17/mo
Select Health	Paid by top-of-hierarchy	SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Shared Health	Paid by top-of-hierarchy	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Simply	Paid by top-of-hierarchy	FMO	100	1000	$175	$88	$7.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Solis	Paid by top-of-hierarchy	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
UnitedHealthcare	Paid by carrier	SMO	100	5000	$175	$87.50	$7.29/mo
		FMO	25	750	$150	$75	$6.25/mo
		MGA	10	250	$125	$55	$4.58/mo
		GA	5	100	$50	$35	$2.92/mo
Verda Health	Paid by top-of-hierarchy	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
WellCare	Paid by top-of-hierarchy	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo
Zing / Lasso	Paid by carrier	FMO	100	1000	$200	$100	$8.33/mo
		SGA	50	500	$150	$75	$6.25/mo
		MGA	25	250	$100	$50	$4.17/mo
		GA	5	100	$50	$25	$2.08/mo

Aetna

Paid by carrier

RMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $65
National - Monthly: $5.42/mo

MMO

# Agents: 65
# New Enrollments: 500
National - New: $150
National - Renewal: $55
National - Monthly: $4.58/mo

GMO

# Agents: 25
# New Enrollments: 250
National - New: $125
National - Renewal: $45
National - Monthly: $3.75/mo

LMO

# Agents: 2
# New Enrollments: 100
National - New: $85
National - Renewal: $30
National - Monthly: $2.50/mo

Alignment

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Anthem

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Astiva Health

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Banner

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS AZ

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS IL

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS MT

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS NC

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS NM

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS OK

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS SC

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS TN

Paid by top-of-hierarchy

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

BCBS TX

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Blue Shield of CA

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: —
National - Renewal: —
National - Monthly: —

SGA

# Agents: 50
# New Enrollments: 500
National - New: —
National - Renewal: —
National - Monthly: —

MGA

# Agents: 25
# New Enrollments: 250
National - New: —
National - Renewal: —
National - Monthly: —

# Agents: 5
# New Enrollments: 100
National - New: —
National - Renewal: —
National - Monthly: —

CareSource

Paid by top-of-hierarchy

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Cigna-Healthspring

Paid by carrier

SGA

# Agents: 25
# New Enrollments: 300
National - New: $180
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 10
# New Enrollments: 300
National - New: $130
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 3
# New Enrollments: 100
National - New: $80
National - Renewal: $25
National - Monthly: $2.08/mo

Clever Care

Paid by carrier

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Clover

Paid by carrier

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Community Health Choice

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Devoted

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Doctor's Healthcare Plan

Paid by top-of-hierarchy

SGA

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

MGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

El Paso Health

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Emblem Health

Paid by top-of-hierarchy

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Essence Healthcare

Paid by carrier

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Eternal Health

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Florida Blue

Paid by carrier

Silver

# Agents: 15
# New Enrollments: 300
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

Bronze

# Agents: 5
# New Enrollments: 100
National - New: $75
National - Renewal: $37
National - Monthly: $3.08/mo

Freedom

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Gold Kidney

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Healthsun

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Highmark

Paid by top-of-hierarchy

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Humana

Paid by top-of-hierarchy unless Direct

SGA2
Direct-SGA

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Imperial

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Kelsey Seybold

Paid by carrier

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $400
National - Renewal: $200
National - Monthly: $16.67/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $300
National - Renewal: $150
National - Monthly: $12.50/mo

MGA 1

# Agents: 25
# New Enrollments: 250
National - New: $250
National - Renewal: $125
National - Monthly: $10.42/mo

MGA 2

# Agents: 25
# New Enrollments: 250
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

# Agents: 5
# New Enrollments: 100
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

Memorial Hermann

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Molina

Paid by carrier

SGA

# Agents: 65
# New Enrollments: 1000
National - New: $150
National - Renewal: $100
National - Monthly: $8.33/mo

MGA

# Agents: 25
# New Enrollments: 500
National - New: $100
National - Renewal: $75
National - Monthly: $6.25/mo

# Agents: 2
# New Enrollments: 100
National - New: $40
National - Renewal: $20
National - Monthly: $1.67/mo

Prominence Health Plan

Paid by top-of-hierarchy

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Scan

Paid by carrier

SGA

# Agents: 30
# New Enrollments: 300
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 20
# New Enrollments: 200
National - New: $125
National - Renewal: $63
National - Monthly: $5.25/mo

# Agents: 10
# New Enrollments: 100
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

Select Health

Paid by top-of-hierarchy

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Shared Health

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Simply

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $175
National - Renewal: $88
National - Monthly: $7.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Solis

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

UnitedHealthcare

Paid by carrier

SMO

# Agents: 100
# New Enrollments: 5000
National - New: $175
National - Renewal: $87.50
National - Monthly: $7.29/mo

FMO

# Agents: 25
# New Enrollments: 750
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 10
# New Enrollments: 250
National - New: $125
National - Renewal: $55
National - Monthly: $4.58/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $35
National - Monthly: $2.92/mo

Verda Health

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

WellCare

Paid by top-of-hierarchy

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Zing / Lasso

Paid by carrier

FMO

# Agents: 100
# New Enrollments: 1000
National - New: $200
National - Renewal: $100
National - Monthly: $8.33/mo

SGA

# Agents: 50
# New Enrollments: 500
National - New: $150
National - Renewal: $75
National - Monthly: $6.25/mo

MGA

# Agents: 25
# New Enrollments: 250
National - New: $100
National - Renewal: $50
National - Monthly: $4.17/mo

# Agents: 5
# New Enrollments: 100
National - New: $50
National - Renewal: $25
National - Monthly: $2.08/mo

Payment Structure Key

Paid by top-of-hierarchy: Override commissions flow through the upline hierarchy
Paid by carrier: Override commissions paid directly by the insurance carrier

Monthly Renewal Calculation

Annual renewal commissions are paid monthly over 12 months. The "Monthly" columns show the per-month amount you'll receive for each policy (Annual Renewal ÷ 12). For example, a $25 annual renewal = $2.08/month for the full year.

Disclaimer

Commission rates are subject to change. Please verify current rates with individual carriers. This guide is for informational purposes only and represents 2026 commission structures. Contact your upline or carrier representative for the most current information.

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