Insurance agent contracting in Pennsylvania, with Topflight.
Topflight contracts licensed agents in Pennsylvania for Medicare, ACA, life and annuities. The 2027 CMS maximum for Medicare Advantage here is $816 initial and $408 renewal, and ACA enrollment runs through Pennie.
- $816
- 2027 MAPD initial maximum
- $408
- 2027 MAPD renewal maximum
- State exchange
- Pennie
- 1 of 3
- Home health care carriers available
Medicare in Pennsylvania
CMS sets maximum compensation by region. Pennsylvania falls in the Connecticut, Pennsylvania & DC region for 2027.
Medicare contracting| Plan type | 2026 | 2027 |
|---|---|---|
| MAPD initial | $781 | $816 |
| MAPD renewal | $391 | $408 |
| 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
- Highmark
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 Pennsylvania
Pennsylvania runs its own Marketplace, Pennie. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Pennie
- 1Pennsylvania license
- 2New Agent Certification modules on TrainPA; 2027 training is live
- 3Pennie approves certifications twice a week; allow 5-7 business days
- 4Returning brokers must finish by Nov 30, 2026
| Carrier | New business | Renewal |
|---|---|---|
| Ambetter | $30 | $30 |
| Oscar | $20 | $20 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Pennsylvania
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
Legacy / special
GTL Short-Term HHC: issue ages 55-85, Plan A / B / C.
ManhattanLife
Legacy / special
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 Pennsylvania
To sell to Pennsylvania residents you need a resident or non-resident Pennsylvania 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 locationsPennsylvania questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Pennsylvania in 2027?
CMS places Pennsylvania in the "Connecticut, Pennsylvania & DC" compensation region. The 2027 maximum Medicare Advantage commission is $816 initial and $408 renewal (+4.5% from 2026). Part D is $130 initial and $65 renewal.
Does Pennsylvania run its own ACA exchange?
Yes. Pennsylvania runs Pennie. 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 Pennsylvania?
Heartland National is listed as available in Pennsylvania 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 Pennsylvania?
Yes. Topflight contracts agents in every state and DC. To sell to Pennsylvania residents you need a resident or non-resident Pennsylvania license, which most agents apply for through NIPR.
Grow your Pennsylvania book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.