What are the Commissions for Selling Medicare Plans?
For 2025, the national maximum broker compensation rate for selling Medicare Advantage (MA) plans is $626 for initial sales and $313 for renewals.
Understanding Medicare Broker Commissions
The Centers for Medicare & Medicaid Services (CMS) annually establishes the maximum broker commissions for both Medicare Advantage and Medicare Part D plans. These rates are determined based on the fair market value of the services provided by agents.
2025 Medicare Advantage Commission Rates
For the year 2025, specific national maximum rates have been set for agents selling Medicare Advantage plans. These rates differentiate between new enrollments and renewals for existing clients.
| Sale Type | 2025 National Maximum Commission |
|---|---|
| Initial Sale | $626 |
| Renewal | $313 |
Key Details on Medicare Advantage Commissions
- Initial Sales: This rate applies when an agent enrolls a client into a Medicare Advantage plan for the first time, or when a client switches plans.
- Renewal Commissions: A lower rate is paid for the renewal of an existing client's Medicare Advantage plan. This compensation is typically for ongoing service and support provided to the enrolled individual.
- National Maximum: The figures provided represent the maximum compensation allowed at a national level. Actual commissions can vary slightly by state or plan, but they cannot exceed these national maximums.
Medicare Part D Commissions
While specific 2025 figures for Medicare Part D plans are not detailed in the provided information, it is important to note that CMS also sets annual maximum broker commissions for these prescription drug plans, similar to Medicare Advantage plans.
