Insurance agent contracting in Virginia, with Topflight.
Topflight contracts licensed agents in Virginia 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 Virginia's Insurance Marketplace.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Virginia's Insurance Marketplace
- 1 of 3
- Home health care carriers available
Medicare in Virginia
CMS sets maximum compensation by region. Virginia 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 Virginia
Virginia runs its own Marketplace, Virginia's Insurance Marketplace. You complete the CMS training and the state certification.
Status for new agents: Open to new agents
ACA contractingCertification steps for Virginia's Insurance Marketplace
- 1Virginia license with health qualification
- 2Create an agency and agent portal account
- 3Request an LMS account at LMS@marketplace.virginia.gov (name, email, cell, NPN); full new-agent training, 80% to pass, sign the agent agreement
| Carrier | New business | Renewal |
|---|---|---|
| Anthem | $20 | $20 |
| Cigna | $22 | $27 |
| Oscar | $18 | $18 |
| UnitedHealthcare | $19 | $18 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Virginia
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
Not 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 Virginia
To sell to Virginia residents you need a resident or non-resident Virginia 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.
Virginia questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Virginia in 2027?
CMS places Virginia 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 Virginia run its own ACA exchange?
Yes. Virginia runs Virginia's Insurance Marketplace. 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 Virginia?
Heartland National is listed as available in Virginia 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 Virginia?
Yes. Topflight contracts agents in every state and DC. To sell to Virginia residents you need a resident or non-resident Virginia license, which most agents apply for through NIPR.
Grow your Virginia book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.