Insurance agent contracting in Michigan, with Topflight.
Topflight contracts licensed agents in Michigan 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 HealthCare.gov.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- HealthCare.gov
- Federal Marketplace
- 2 of 3
- Home health care carriers available
Medicare in Michigan
CMS sets maximum compensation by region. Michigan 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 Michigan
Michigan uses the federal Marketplace. Complete the CMS FFM registration and training each plan year, then quote and enroll through HealthSherpa with the Topflight join code.
ACA contracting- 1
Certify
CMS FFM registration and training at cms.gov.
- 2
Contract
BenaVest contracting form from the ACA Command Center.
- 3
Enroll
HealthSherpa with the Topflight join code.
| Carrier | New business | Renewal |
|---|---|---|
| Ambetter | $21 | $21 |
| Molina | N/A | $24 |
| Oscar | $20 | $20 |
| UnitedHealthcare | $19 | $17 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Michigan
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
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 Michigan
To sell to Michigan residents you need a resident or non-resident Michigan 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.
Michigan questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Michigan in 2027?
CMS places Michigan 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 Michigan run its own ACA exchange?
No. Michigan uses the federal Marketplace at HealthCare.gov. Agents complete the CMS FFM registration and training each plan year and Topflight agents enroll through HealthSherpa.
Which home health care plans can I sell in Michigan?
GTL, ManhattanLife are listed as available in Michigan 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 Michigan?
Yes. Topflight contracts agents in every state and DC. To sell to Michigan residents you need a resident or non-resident Michigan license, which most agents apply for through NIPR.
Grow your Michigan book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.