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The Flight Brief · AEP 2027 Edition · Oct 20, 2026
AEP 2027 Flight Brief
AEP is live. Lock in your co-op.
Open enrollment opened October 15. Everything you need to earn carrier co-op, the new AEP Challenge bonus and VA support hours is on this page, plus the two referral tools from our last training.
your agreement (Oct 30)
🚨 Action needed
Your AEP to-do list
- Sign your agreementEnter your name and email, then sign from the SignWell email. Check spam. No contract, no co-op.Oct 30
- Copy and share your trackerMake a copy, then share your Google Sheet with [email protected] as a Viewer.Today
- Update your shared trackerBy every Sunday, 10 PM PST. No email needed. Topflight views it live.Sundays
- Activate Spark Plan FitWatch the webinar before your next metro-market appointment.This week
- Order magnets and build your HiHello cardPhoto first, Spark Source QR code on the magnet.This week
- Save every marketing receiptSubmit January through April 1, 2027.Ongoing
The calendar
Five dates that pay you
- Oct 30Sign the Marketing Compliance & Reimbursement Agreement. No signature, no funds.
- Dec 7AEP closes. MAPD apps for Jan 1, 2027 effective dates.
- Jan 1Final Medicare co-op production count due to Topflight.
- Mar 2027Scheduled co-op payout, subject to carrier funding and receipt approval.
- Apr 1Last day to submit marketing receipts (window opens January 2027).
Step one · Do this first
Sign your agreement
Deadline October 30, 2026. The Marketing Compliance & Reimbursement Agreement must be signed before any funds can move. Your tracker only pays off if your contract is signed.
- Click Sign my agreement below.
- Enter your name and email.
- You'll instantly get an email from SignWell to review and sign.
- Don't see it? Check your spam and promotions folders.
No contract, no co-op. No “I didn't know” or “I was busy.”
Your scoreboard
2027 AEP Rewards Tracker
One workbook per agent, with 350 client rows per product line. It estimates co-op by carrier and county, flags same-carrier apps, tracks your VA-hour progress and keeps one reward claim per client.
- Make your copy. File › Make a copy. Don't request edit access to the original.
- Share it with [email protected]. Click Share in your copy, add that address as a Viewer, and send. Don't email, attach or download the file.
- Update it by every Sunday, 10 PM PST. That's your weekly report. No email needed: Topflight sees your copy in real time.
Best practice
Update it the moment you write, not just on Sunday
Your tracker doubles as your application follow-up list. Log each app the day you write it, then check off every step until the client has a card in hand. Anything stuck is your cue to call the carrier or fix it before it costs you co-op or a commission.
Written & submittedCarrier receivedCMS acceptedPolicy issuedCard received
- ◆Orange “Review” rows need you. Missing info, a duplicate claim or an unconfirmed step. Clear them every week.
- ◆Use the extra checkboxes. HRA done and PCP on file catch the follow-ups clients forget.
- ◆Check status changes. If an app sits in “Submitted” too long, look it up in the carrier portal or SunFire.
Use a unique CRM client ID, never an SSN or Medicare number. One workbook per agent.
Carrier co-op schedule
What each MAPD enrollment earns
Paid only on new-to-carrier quality enrollments submitted under Topflight with January 1, 2027 effective dates. Topflight passes 100% of the carrier co-op through to you.
Switching plans with the same carrier pays nothing
Co-op only pays when the client was not already with that carrier. Moving a client to a different plan at the same carrier earns $0, even if the app says new to carrier.
$0Last year Humana, 2027 Humana (new plan)
$160Last year Aetna, 2027 Humana
| Carrier | Per enrollment | What qualifies | Cap |
|---|---|---|---|
| Anthem | $175 | SNP enrollments or any enrollment in Florida | Capped |
| Humana | $160 | New-to-carrier quality enrollments | Not capped yet |
| Healthspring | $100 | Priority markets only | Capped |
| Aetna | $25 | Priority markets only | Capped |
| SCAN | $25 | New-to-carrier quality enrollments | Capped |
Always fill in the client's previous carrier in the tracker so it can flag same-carrier apps. Aetna and Healthspring pay in priority markets only: check the 2027 Priority Markets schedule (also built into the tracker's county dropdown). Confirm carrier, state and county before relying on a reimbursement; a county listing alone doesn't approve a payment. We'll send notices as capped carriers approach their limits. Humana may add a cap later.
Eligibility
How to qualify
- Sign your agreement by October 30, 2026.Required before any funds can move. Sign it here if you haven't yet.
- Write qualifying enrollments. There is no minimum.No minimum MA/MAPD application count. Co-op pays on each new-to-carrier quality enrollment submitted through Topflight with a January 1, 2027 effective date, under the carrier schedule.
- Share your tracker once, then update it by every Sunday at 10:00 PM PST.Share your Google Sheet copy (the link, not a file) with [email protected] as a Viewer. That's your weekly report: no emails to send. Topflight reviews your production live.
- Keep your clients under Topflight for the full 2027 plan year.Rapid disenrollment triggers a chargeback of the full co-op amount, repaid to Topflight within 30 days of notice.
- Keep your carrier contracts with Topflight through payout.No release requests for Program carrier contracts before your March 2027 co-op payout, and no immediate releases within 90 days after distribution. If payout is delayed, contracts stay until it happens.
- Stay CMS compliant and professional.A compliance breach forfeits all funds due. One reward per client per calendar year. Unprofessional conduct in group chats can mean removal from the program.
- Your co-op is yours alone.Earned co-op is credited to the agent who earned it and can't be transferred to uplines, downlines or other agents. The only exception is a verified Licensed-Only Agent (LOA) arrangement with your written acknowledgment.
Extra bonus
The AEP Challenge
Write more, earn more. This Topflight incentive is in addition to the carrier co-op above.
All policies must have Topflight as the upline, and qualifying Medicare and ancillary apps must be in your shared tracker, updated by every Sunday at 10 PM PST. Topflight verifies all submissions and makes the final eligibility call. This incentive may change or end at any time.
Non-MAPD production · Nov 1, 2026 to Feb 1, 2027
Earn Virtual Assistant hours
Earned by qualified production under Topflight. Hand off basic video editing, Facebook ads, Canva marketing assets and presentations, contracts, nonresident licensing (with a SIRCON account) and compliance records. GHL automation help is for Atomic users only. You can also propose other projects for the team to review.
| Product line | Qualifying production | VA reward |
|---|---|---|
| Med Supp + Ancillary | 20 OE or UW Medicare Supplement and MAPD non-co-op ancillary apps combined | 8 hrs |
| ACA | Every 50 commissionable members (one row per member) | 4 hrs |
| Life | $10,000 in annual premium (not face amount) | 8 hrs |
| Annuities | $200,000 in annuity premium | 8 hrs |
Eligible lines include ACA, Medicare Supplements, cancer/heart attack/stroke, hospital indemnity, short-term home health or out-of-pocket protection, life and annuities. VA hours are non-transferable and can't be converted to cash, co-op or commissions. Only the agent who earned them may use them. Have your VA logins and assignments ready before you schedule.
Getting paid
Save every receipt now
Carriers are auditing co-op spending. Send real marketing receipts (AEP leads, pre-set appointments, registered sales events) to [email protected] from January through April 1, 2027. Each one needs:
- ◆Purchase date and time
- ◆Vendor name, address, phone, email and website
- ◆Itemized list with quantities and unit prices
- ◆Total paid, matching the amount you request
- ◆Payment method (card, cash or other)
A self-made lump-sum invoice billed to Spark won't be accepted. Topflight passes 100% of carrier co-op through. Co-op isn't guaranteed or commission-based: the March 2027 payout depends on carrier funding, verified qualifying production and approved receipts.
Your AEP training week · all times Central
Show up. Write more.
Live training and open help every week of AEP. Tap any card to join.
New Agent Boot Camp
Need a Medicare refresher, or haven't finished Boot Camp yet? Do this first. It gives you the foundation to get the most out of our live training and support all AEP.
Access Boot Camp › Monday · 9:00 AM CSTLive Training
Start the week with practical training built to help you write business with more confidence.
Tune in Monday › 🆘 Tue & Thu · 9:00 AM CSTOpen Help
Have a prospect and don't know what's next? Need help quoting? Stuck on a carrier or enrollment platform? Rusty on Medicare? We'll walk you through it.
Bring us the case › 🎉 Wednesday · 4:00 PM CSTThe Vibe
Where Topflight agents connect, learn and share what's working. Ask questions and pick our top producers' brains about what they're seeing in the field.
Join the party › ✨ New from SparkPlan Fit
Working a metro market with dozens of plans? Plan Fit identifies the best-fit plan from the client info you enter, so you narrow options fast. Activate it before you need it.
Watch the webinar ›Need help between sessions?
The Topflight Care Team, Jiselle, Emmanuel & John, helps with contracting, onboarding, process questions and pointing you the right way.
📧 [email protected] · 📱 Text 470-610-5710
Training replay · The Inbound Referral System
Your two referral tools
From our October 12 training. Build both this week so every kitchen-table appointment leaves something behind that brings the next call to you.
The fridge magnet
- ◆Photo beats logo. Seniors call the face they recognize.
- ◆3.5 × 2 in with a big phone number and your Spark Source QR code.
- ◆Order magnetic business cards from Vistaprint, a Staples print center or a local printer, or stick peel-and-stick magnet backs on cards you already have.
- ◆Leave two: one for the client, one to give away.
ScanPermission to ContactFunnelBooks your calendar
Hat tip: thank you to Jeremy Slingerland for the fridge magnet reminder.
HiHello digital card
- Get the free HiHello app or go to hihello.com.
- Add your photo first, a clear, smiling headshot.
- Name, "Licensed Insurance Agent," cell for calls and texts, email, booking link, NPN. Topflight logo second.
- Use the automatic QR code and add the card to Apple or Google Wallet.
- Text your card link with your forwardable message. Recipients don't need the app.
Hat tip: thank you to Emily Henderson for the reminder.
Referral tool #3
Text FRIEND
Your client texts one word and instantly gets a forwardable referral message with your Spark link. They forward it, the friend taps your link and completes Permission to Contact, and the friend reaches out to you first.
- Client texts FRIEND to your number.
- They receive a ready-to-forward message with your Spark link.
- Their friend taps, completes Permission to Contact and can book on your calendar.
See it work: text FRIEND to 570-445-2264
Want this workflow on your own number? Atomic Automations subscribers can request it at [email protected].
Make it personal
Christa Angeles of DarkHorse Insurance Solutions personalizes her cards with family and pets. A jumbo sample Medicare card held by your pet or child makes a photo people remember.
Keep plan names, benefits and carrier logos off both the magnet and the card. Contact info only, and keep any gift under the $15 nominal-value limit.
Topflight standing rule
We never call first.
A prospect or referral calls or texts you, or scans your Spark Source QR code or taps your Spark link and completes Permission to Contact. That is what your magnet and HiHello card are for.
They reach outPermission to ContactThen you call
Contact Topflight
Call or text
470-610-5710
Mon–Fri, 9 AM–5 PM CST
[email protected]
[email protected]
Share once as a Viewer. Update by every Sunday, 10:00 PM PST. No weekly email.
[email protected]
January 2027 through April 1, 2027
Let's soar! — Joanna
Agent use only · Do not distribute or disclose. Confidential and proprietary to Topflight Insurance Solutions LLC. The signed agreement controls; this brief is a summary.
Last reviewed: · Reviewed by Joanna Wyckoff, Founder.