Insurance agent contracting in Minnesota, with Topflight.
Topflight contracts licensed agents in Minnesota 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 MNsure.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- MNsure
- 0 of 3
- Home health care carriers available
Medicare in Minnesota
CMS sets maximum compensation by region. Minnesota 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 Minnesota
Minnesota runs its own Marketplace, MNsure. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for MNsure
- 1Minnesota producer license
- 2Register the agency in the Broker Agency Management Program (BAMP) and add each broker
- 3Agree to the MNsure Code of Conduct; complete free online training and assessment annually; CE reported to Sircon
No MN rates are listed in the 2026 ACA Commission Vault yet. Ask the Care Team for current carrier options in Minnesota.
Short-term home health care in Minnesota
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 Minnesota
To sell to Minnesota residents you need a resident or non-resident Minnesota 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.
Minnesota questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Minnesota in 2027?
CMS places Minnesota 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 Minnesota run its own ACA exchange?
Yes. Minnesota runs MNsure. 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 Minnesota?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in Minnesota. Check the carrier approval maps for updates.
Can I join Topflight if I live outside Minnesota?
Yes. Topflight contracts agents in every state and DC. To sell to Minnesota residents you need a resident or non-resident Minnesota license, which most agents apply for through NIPR.
Grow your Minnesota book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.