Insurance agent contracting in Vermont, with Topflight.
Topflight contracts licensed agents in Vermont 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 Vermont Health Connect.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Vermont Health Connect
- 0 of 3
- Home health care carriers available
Medicare in Vermont
CMS sets maximum compensation by region. Vermont 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 Vermont
Vermont runs its own Marketplace, Vermont Health Connect. You complete the CMS training and the state certification.
Status for new agents: Limited
ACA contractingCertification steps for Vermont Health Connect
- 1Vermont resident license
- 2Brokers certify through the Assister program: privacy training, about 6 hours of coursework and an open-book exam, then an agreement
No VT rates are listed in the 2026 ACA Commission Vault yet. Ask the Care Team for current carrier options in Vermont.
Short-term home health care in Vermont
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 Vermont
To sell to Vermont residents you need a resident or non-resident Vermont 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.
Vermont questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Vermont in 2027?
CMS places Vermont 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 Vermont run its own ACA exchange?
Yes. Vermont runs Vermont Health Connect. 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 Vermont?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in Vermont. Check the carrier approval maps for updates.
Can I join Topflight if I live outside Vermont?
Yes. Topflight contracts agents in every state and DC. To sell to Vermont residents you need a resident or non-resident Vermont license, which most agents apply for through NIPR.
Grow your Vermont book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.