Insurance agent contracting in Maryland, with Topflight.
Topflight contracts licensed agents in Maryland 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 Maryland Health Connection.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Maryland Health Connection
- 2 of 3
- Home health care carriers available
Medicare in Maryland
CMS sets maximum compensation by region. Maryland 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 Maryland
Maryland runs its own Marketplace, Maryland Health Connection. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Maryland Health Connection
- 1Maryland license that qualifies you to sell health; resident and non-resident eligible
- 2Submit the authorization application first, then training and the Consumer Assistance Exam
- 3Annual training every year; renewal application every other year
| Carrier | New business | Renewal |
|---|---|---|
| UnitedHealthcare | $19 | $18 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Maryland
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
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 Maryland
To sell to Maryland residents you need a resident or non-resident Maryland 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.
Maryland questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Maryland in 2027?
CMS places Maryland 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 Maryland run its own ACA exchange?
Yes. Maryland runs Maryland Health Connection. 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 Maryland?
Heartland National, GTL are listed as available in Maryland 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 Maryland?
Yes. Topflight contracts agents in every state and DC. To sell to Maryland residents you need a resident or non-resident Maryland license, which most agents apply for through NIPR.
Grow your Maryland book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.