Insurance agent contracting in Idaho, with Topflight.
Topflight contracts licensed agents in Idaho 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 Your Health Idaho.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Your Health Idaho
- 1 of 3
- Home health care carriers available
Medicare in Idaho
CMS sets maximum compensation by region. Idaho 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 Idaho
Idaho runs its own Marketplace, Your Health Idaho. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Your Health Idaho
- 1Idaho license in good standing
- 2Training modules in YHI's LMS; final exam 90% or higher within three attempts
- 3Attest to the YHI Producer Agreement
| Carrier | New business | Renewal |
|---|---|---|
| Molina | $13 | $13 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Idaho
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
Available
GTL Short-Term HHC: issue ages 55-85, Plan A / B / C.
ManhattanLife
Legacy / special
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 Idaho
To sell to Idaho residents you need a resident or non-resident Idaho 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.
Idaho questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Idaho in 2027?
CMS places Idaho 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 Idaho run its own ACA exchange?
Yes. Idaho runs Your Health Idaho. 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 Idaho?
GTL is listed as available in Idaho 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 Idaho?
Yes. Topflight contracts agents in every state and DC. To sell to Idaho residents you need a resident or non-resident Idaho license, which most agents apply for through NIPR.
Grow your Idaho book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.