Insurance agent contracting in Rhode Island, with Topflight.
Topflight contracts licensed agents in Rhode Island 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 HealthSource RI.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- HealthSource RI
- 1 of 3
- Home health care carriers available
Medicare in Rhode Island
CMS sets maximum compensation by region. Rhode Island 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 Rhode Island
Rhode Island runs its own Marketplace, HealthSource RI. You complete the CMS training and the state certification.
Status for new agents: Limited
ACA contractingCertification steps for HealthSource RI
- 1Rhode Island license, HSRI broker training and exam
- 2Scheduled sessions (2026: Apr 28 and Aug 19); ask for an off-cycle session
No RI rates are listed in the 2026 ACA Commission Vault yet. Ask the Care Team for current carrier options in Rhode Island.
Short-term home health care in Rhode Island
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
Available
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 Rhode Island
To sell to Rhode Island residents you need a resident or non-resident Rhode Island 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 locationsRhode Island questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Rhode Island in 2027?
CMS places Rhode Island 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 Rhode Island run its own ACA exchange?
Yes. Rhode Island runs HealthSource RI. Agents complete the CMS Marketplace training and the state's own certification. Current status for new agents: limited.
Which home health care plans can I sell in Rhode Island?
GTL is listed as available in Rhode Island 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 Rhode Island?
Yes. Topflight contracts agents in every state and DC. To sell to Rhode Island residents you need a resident or non-resident Rhode Island license, which most agents apply for through NIPR.
Grow your Rhode Island book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.