Insurance agent contracting in New York, with Topflight.
Topflight contracts licensed agents in New York 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 NY State of Health.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- NY State of Health
- 0 of 3
- Home health care carriers available
Medicare in New York
CMS sets maximum compensation by region. New York 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.
Home-market carriers on the 2027 override schedule
- Emblem Health
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 York
New York runs its own Marketplace, NY State of Health. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for NY State of Health
- 1New York DFS agent or broker license
- 2Create an NY.gov ID and broker account, then free online certification courses and exam (no CE credit)
- 3Separate courses for Individual and Small Business; certification runs two years
No NY rates are listed in the 2026 ACA Commission Vault yet. Ask the Care Team for current carrier options in New York.
Short-term home health care in New York
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 York
To sell to New York residents you need a resident or non-resident New York 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 York questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in New York in 2027?
CMS places New York 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 New York run its own ACA exchange?
Yes. New York runs NY State of Health. 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 York?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in New York. Check the carrier approval maps for updates.
Can I join Topflight if I live outside New York?
Yes. Topflight contracts agents in every state and DC. To sell to New York residents you need a resident or non-resident New York license, which most agents apply for through NIPR.
Grow your New York book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.