Insurance agent contracting in Texas, with Topflight.
Topflight contracts licensed agents in Texas 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 HealthCare.gov.
Topflight headquarters: Spring, Texas
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- HealthCare.gov
- Federal Marketplace
- 3 of 3
- Home health care carriers available
Medicare in Texas
CMS sets maximum compensation by region. Texas 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
- BCBS TX
- Memorial Hermann
- Kelsey Seybold
- Community Health Choice
- El Paso 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 Texas
Texas uses the federal Marketplace. Complete the CMS FFM registration and training each plan year, then quote and enroll through HealthSherpa with the Topflight join code.
ACA contracting- 1
Certify
CMS FFM registration and training at cms.gov.
- 2
Contract
BenaVest contracting form from the ACA Command Center.
- 3
Enroll
HealthSherpa with the Topflight join code.
| Carrier | New business | Renewal |
|---|---|---|
| Cigna | $15 | $25 |
| Molina | N/A | $25 |
| Oscar | $25 | $25 |
| UnitedHealthcare | $25 | $25 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Texas
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 Texas
To sell to Texas residents you need a resident or non-resident Texas 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.
Texas questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Texas in 2027?
CMS places Texas 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 Texas run its own ACA exchange?
No. Texas uses the federal Marketplace at HealthCare.gov. Agents complete the CMS FFM registration and training each plan year and Topflight agents enroll through HealthSherpa.
Which home health care plans can I sell in Texas?
Heartland National, GTL, ManhattanLife are listed as available in Texas 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 Texas?
Yes. Topflight contracts agents in every state and DC. To sell to Texas residents you need a resident or non-resident Texas license, which most agents apply for through NIPR.
Grow your Texas book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.