Insurance agent contracting in California, with Topflight.
Topflight contracts licensed agents in California for Medicare, ACA, life and annuities. The 2027 CMS maximum for Medicare Advantage here is $902 initial and $451 renewal, and ACA enrollment runs through Covered California.
- $902
- 2027 MAPD initial maximum
- $451
- 2027 MAPD renewal maximum
- State exchange
- Covered California
- 0 of 3
- Home health care carriers available
Medicare in California
CMS sets maximum compensation by region. California falls in the California & New Jersey region for 2027.
California has its own Topflight override schedule. See the commission guide for California rows by carrier and level.
Medicare contracting| Plan type | 2026 | 2027 |
|---|---|---|
| MAPD initial | $864 | $902 |
| MAPD renewal | $432 | $451 |
| Part D initial | $114 | $130 |
| Part D renewal | $57 | $65 |
Source: CMS CY2027 agent and broker compensation, as published in the Topflight 2027 commission guide.
Home-market carriers on the 2027 override schedule
- Blue Shield of CA
- Scan
- Alignment
- Astiva Health
- Clever Care
- Imperial
Plus national carriers including Aetna, Humana, UnitedHealthcare, WellCare, Cigna-Healthspring, Anthem and Devoted where they offer plans. 46 carriers in total.
ACA and health in California
California runs its own Marketplace, Covered California. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Covered California
- 1California license validated with the Department of Insurance (allow 3-5 business days)
- 2Online certification courses and exam in Covered California's LMS
- 3Agency of one or more needs an agency manager; downline agents sign the Non-Monetary Agreement
- 4Small-business-only certification is a separate track (CCSB)
| Carrier | New business | Renewal |
|---|---|---|
| Anthem | $15 | $15 |
| Molina | $10 | $10 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in California
Pair home health care with Medicare Advantage to cover home nursing, therapy and aide care that the plan leaves to the client.
Heartland National
Not available
Heartland Secure Choice: issue ages 40-85, Basic / Standard / Complete.
GTL
Not available
GTL Short-Term HHC: issue ages 55-85, Plan A / B / C.
ManhattanLife
Not available
ManhattanLife HHC Enhanced: issue ages 18-89, Classic / Premier / Deluxe.
Source: Topflight Short-Term Home Health Care Field Guide, verified through September 25, 2026.
Licensing in California
To sell to California residents you need a resident or non-resident California license and carrier appointments. Most agents apply for non-resident licenses through NIPR.
New to insurance? Topflight agents get a $39 pre-licensing course, XCEL exam prep, CE and discounted AHIP.
California questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in California in 2027?
CMS places California in the "California & New Jersey" compensation region. The 2027 maximum Medicare Advantage commission is $902 initial and $451 renewal (+4.4% from 2026). Part D is $130 initial and $65 renewal.
Does California run its own ACA exchange?
Yes. California runs Covered California. Agents complete the CMS Marketplace training and the state's own certification. Current status for new agents: open to new agents.
Which home health care plans can I sell in California?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in California. Check the carrier approval maps for updates.
Can I join Topflight if I live outside California?
Yes. Topflight contracts agents in every state and DC. To sell to California residents you need a resident or non-resident California license, which most agents apply for through NIPR.
Grow your California book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.