Insurance agent contracting in Illinois, with Topflight.
Topflight contracts licensed agents in Illinois 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 Get Covered Illinois.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Get Covered Illinois
- 3 of 3
- Home health care carriers available
Medicare in Illinois
CMS sets maximum compensation by region. Illinois 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.
Home-market carriers on the 2027 override schedule
- BCBS IL
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 Illinois
Illinois runs its own Marketplace, Get Covered Illinois. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Get Covered Illinois
- 1Illinois license with Health line of authority
- 2Create a Broker Portal account
- 3PY2027 training is live; pass the exam with 80% and attest to the Non-Exchange Entity Agreement
- 4Certification valid through Dec 31, 2027; 5 CE credits for Illinois residents
| Carrier | New business | Renewal |
|---|---|---|
| Ambetter | $25 | $25 |
| Cigna | $22 | $25 |
| Molina | N/A | $25 |
| Oscar | $25 | $25 |
| UnitedHealthcare | $24 | $24 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Illinois
Pair home health care with Medicare Advantage to cover home nursing, therapy and aide care that the plan leaves to the client.
Heartland National
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
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 Illinois
To sell to Illinois residents you need a resident or non-resident Illinois 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.
Illinois questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Illinois in 2027?
CMS places Illinois 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 Illinois run its own ACA exchange?
Yes. Illinois runs Get Covered Illinois. 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 Illinois?
Heartland National, GTL, ManhattanLife are listed as available in Illinois 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 Illinois?
Yes. Topflight contracts agents in every state and DC. To sell to Illinois residents you need a resident or non-resident Illinois license, which most agents apply for through NIPR.
Grow your Illinois book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.