Insurance agent contracting in Oregon, with Topflight.
Topflight contracts licensed agents in Oregon 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 Explore Health (new for 2027).
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Explore Health (new for 2027)
- 3 of 3
- Home health care carriers available
Medicare in Oregon
CMS sets maximum compensation by region. Oregon 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 Oregon
Oregon runs its own Marketplace, Explore Health (new for 2027). You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Explore Health (new for 2027)
- 1Oregon license
- 2Oregon Marketplace Certification Training by Oct 31, 2026; 80% on the exam
- 3Oregon's page also lists CMS agent/broker training as a requirement
No OR rates are listed in the 2026 ACA Commission Vault yet. Ask the Care Team for current carrier options in Oregon.
Short-term home health care in Oregon
Pair home health care with Medicare Advantage to cover home nursing, therapy and aide care that the plan leaves to the client.
Heartland National
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 Oregon
To sell to Oregon residents you need a resident or non-resident Oregon 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.
Oregon questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Oregon in 2027?
CMS places Oregon 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 Oregon run its own ACA exchange?
Yes. Oregon runs Explore Health (new for 2027). 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 Oregon?
Heartland National, GTL, ManhattanLife are listed as available in Oregon 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 Oregon?
Yes. Topflight contracts agents in every state and DC. To sell to Oregon residents you need a resident or non-resident Oregon license, which most agents apply for through NIPR.
Grow your Oregon book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.