Insurance agent contracting in Massachusetts, with Topflight.
Topflight contracts licensed agents in Massachusetts 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 Health Connector.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Health Connector
- 0 of 3
- Home health care carriers available
Medicare in Massachusetts
CMS sets maximum compensation by region. Massachusetts 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 Massachusetts
Massachusetts runs its own Marketplace, Health Connector. You complete the CMS training and the state certification.
Status for new agents: Limited
ACA contractingCertification steps for Health Connector
- 1Broker certification is for Health Connector for Business (small group, 1-50 employees)
- 2MA or non-resident license, Connector training, then broker portal registration
- 3Commissions are paid by the Connector per subscriber per month
No MA rates are listed in the 2026 ACA Commission Vault yet. Ask the Care Team for current carrier options in Massachusetts.
Short-term home health care in Massachusetts
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 Massachusetts
To sell to Massachusetts residents you need a resident or non-resident Massachusetts 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.
Other Northeast states
All locationsMassachusetts questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Massachusetts in 2027?
CMS places Massachusetts 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 Massachusetts run its own ACA exchange?
Yes. Massachusetts runs Health Connector. Agents complete the CMS Marketplace training and the state's own certification. Current status for new agents: limited.
Which home health care plans can I sell in Massachusetts?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in Massachusetts. Check the carrier approval maps for updates.
Can I join Topflight if I live outside Massachusetts?
Yes. Topflight contracts agents in every state and DC. To sell to Massachusetts residents you need a resident or non-resident Massachusetts license, which most agents apply for through NIPR.
Grow your Massachusetts book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.