Medicare Advantage Insurance Commissions

Medicare Card

Updated: June 23rd, 2023

Medicare Advantage (MA) plans are private health insurance plans that offer all the benefits of Original Medicare, plus additional coverage. They are often sold by insurance agents or brokers who earn commissions for each plan they sell.

The amount of commission an agent can earn for selling an MA plan varies depending on the plan and the state. In 2023, the national maximum broker compensation for MA sales is $611 for initial sales and $306 for renewals.

How do commissions work?

When an agent sells an MA plan, they receive an initial commission. This commission is typically paid out in the first year of the policy. The agent may also receive renewal commissions each year after that, as long as the beneficiary remains enrolled in the plan.

What factors affect commissions?

The amount of commission an agent can earn for selling an MA plan can be affected by a number of factors, including:

  • The type of plan being sold
  • The state in which the plan is being sold
  • The agent’s experience and level of certification
  • The number of plans the agent sells

Are there any rules about commissions?

Yes, there are a number of rules that govern commissions for Medicare Advantage plans. These rules are set by the Centers for Medicare & Medicaid Services (CMS).

Some of the key rules include:

  • Agents must be licensed in the state in which they are selling plans.
  • Agents must complete annual training and pass a test on their knowledge of Medicare and MA plans.
  • Agents must follow all Medicare marketing rules.
  • Agents cannot receive commissions for selling plans that do not meet Medicare’s standards.

What should I know if I’m considering buying an MA plan?

If you’re considering buying an MA plan, it’s important to understand how commissions work. You should also ask the agent you’re working with about their experience and level of certification.

It’s also important to remember that you’re not obligated to buy a plan from an agent who offers you a commission. You can shop for plans on your own and compare prices and benefits.


Medicare Advantage insurance commissions can be a significant source of income for agents who sell these plans. However, it’s important to remember that commissions should not be the only factor you consider when choosing an MA plan. You should also carefully compare plans and choose one that meets your needs and budget.