Insurance agent contracting in Colorado, with Topflight.
Topflight contracts licensed agents in Colorado for Medicare, ACA, life and annuities. The 2027 CMS maximum for Medicare Advantage here is $725 initial and $363 renewal, and ACA enrollment runs through Connect for Health Colorado.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Connect for Health Colorado
- 1 of 3
- Home health care carriers available
Medicare in Colorado
CMS sets maximum compensation by region. Colorado falls in the National (All Other States) region for 2027.
Medicare contracting| Plan type | 2026 | 2027 |
|---|---|---|
| MAPD initial | $694 | $725 |
| MAPD renewal | $347 | $363 |
| 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.
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 Colorado
Colorado runs its own Marketplace, Connect for Health Colorado. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Connect for Health Colorado
- 1Colorado Accident & Health license, resident or non-resident
- 2E-signed Producer's Agreement
- 3New-broker coursework in the C4U LMS (roughly 17 hours in the last published overview)
| Carrier | New business | Renewal |
|---|---|---|
| Anthem | $18 | $18 |
| Cigna | $20 | $25 |
| UnitedHealthcare | $20 | $18 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Colorado
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
Legacy / special
GTL Short-Term HHC: issue ages 55-85, Plan A / B / C.
ManhattanLife
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 Colorado
To sell to Colorado residents you need a resident or non-resident Colorado 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.
Colorado questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Colorado in 2027?
CMS places Colorado in the "National (All Other States)" compensation region. The 2027 maximum Medicare Advantage commission is $725 initial and $363 renewal (+4.5% from 2026). Part D is $130 initial and $65 renewal.
Does Colorado run its own ACA exchange?
Yes. Colorado runs Connect for Health Colorado. 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 Colorado?
ManhattanLife is listed as available in Colorado in the Topflight field guide, verified through September 25, 2026. Confirm with the carrier's live approval map before quoting.
Can I join Topflight if I live outside Colorado?
Yes. Topflight contracts agents in every state and DC. To sell to Colorado residents you need a resident or non-resident Colorado license, which most agents apply for through NIPR.
Grow your Colorado book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.