Insurance agent contracting in New Jersey, with Topflight.
Topflight contracts licensed agents in New Jersey for Medicare, ACA, life and annuities. The 2027 CMS maximum for Medicare Advantage here is $902 initial and $451 renewal, and ACA enrollment runs through GetCoveredNJ.
- $902
- 2027 MAPD initial maximum
- $451
- 2027 MAPD renewal maximum
- State exchange
- GetCoveredNJ
- 0 of 3
- Home health care carriers available
Medicare in New Jersey
CMS sets maximum compensation by region. New Jersey falls in the California & New Jersey region for 2027.
Medicare contracting| Plan type | 2026 | 2027 |
|---|---|---|
| MAPD initial | $864 | $902 |
| MAPD renewal | $432 | $451 |
| 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 New Jersey
New Jersey runs its own Marketplace, GetCoveredNJ. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for GetCoveredNJ
- 1New Jersey license
- 2New producers submit the Broker Intent to Sell form to receive training
- 3Complete GetCoveredNJ training modules and sign the Broker Acknowledgment; certification is rolling after the deadline
| Carrier | New business | Renewal |
|---|---|---|
| Ambetter | $20 | $20 |
| 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 New Jersey
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 New Jersey
To sell to New Jersey residents you need a resident or non-resident New Jersey 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 locationsNew Jersey questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in New Jersey in 2027?
CMS places New Jersey in the "California & New Jersey" compensation region. The 2027 maximum Medicare Advantage commission is $902 initial and $451 renewal (+4.4% from 2026). Part D is $130 initial and $65 renewal.
Does New Jersey run its own ACA exchange?
Yes. New Jersey runs GetCoveredNJ. 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 New Jersey?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in New Jersey. Check the carrier approval maps for updates.
Can I join Topflight if I live outside New Jersey?
Yes. Topflight contracts agents in every state and DC. To sell to New Jersey residents you need a resident or non-resident New Jersey license, which most agents apply for through NIPR.
Grow your New Jersey book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.