What’s New with Medicare Broker Commissions in 2026?

The 2026 updates bring the most significant increase in Medicare Advantage (MA) broker commissions we’ve seen in years—great news for agents actively selling and renewing these plans. With higher compensation comes greater accountability. Agents are expected to demonstrate strong product knowledge, which is maintained through mandatory annual training such as AHIP or NABIP certification.

Submitting Compensation Rates for 2026

CMS requires organizations to maintain complete documentation showing they’ve updated their broker compensation schedules in alignment with CMS guidelines and that agents are being paid accordingly. When submitting compensation details for 2026, organizations must also indicate whether they plan to work with employed, captive, or independent agents or brokers. They must report the exact rates that will be paid to independent brokers and agents for the upcoming plan year.

Additionally, any referral fees paid must be disclosed. For 2026, referral fee amounts remain unchanged:

· $100 for Medicare Advantage (MA) plans

· $25 for Prescription Drug Plans (PDPs)