Insurance agent contracting in Washington, with Topflight.
Topflight contracts licensed agents in Washington 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 Washington Healthplanfinder.
- $725
- 2027 MAPD initial maximum
- $363
- 2027 MAPD renewal maximum
- State exchange
- Washington Healthplanfinder
- 0 of 3
- Home health care carriers available
Medicare in Washington
CMS sets maximum compensation by region. Washington 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 Washington
Washington runs its own Marketplace, Washington Healthplanfinder. You complete the CMS training and the state certification.
Status for new agents: Restricted
ACA contractingCertification steps for Washington Healthplanfinder
- 1Washington license with disability line of authority; appointed with carriers
- 2$50 certification fee, LMS training, then DocuSign user agreements
- 3Account is created about a week after the countersigned agreement
| Carrier | New business | Renewal |
|---|---|---|
| Ambetter | $25 | $25 |
| Molina | N/A | $20 |
| UnitedHealthcare | $18 | $16 |
2026 plan year, per member per month. Source: ACA Commission Vault powered by BenaVest.
Short-term home health care in Washington
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 Washington
To sell to Washington residents you need a resident or non-resident Washington 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.
Washington questions
Still unsure? Email support@topflightagent.com and a real person answers.
What do Medicare agents earn in Washington in 2027?
CMS places Washington 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 Washington run its own ACA exchange?
Yes. Washington runs Washington Healthplanfinder. Agents complete the CMS Marketplace training and the state's own certification. Current status for new agents: restricted.
Which home health care plans can I sell in Washington?
None of the three short-term home health care products in the Topflight field guide is currently listed as available in Washington. Check the carrier approval maps for updates.
Can I join Topflight if I live outside Washington?
Yes. Topflight contracts agents in every state and DC. To sell to Washington residents you need a resident or non-resident Washington license, which most agents apply for through NIPR.
Grow your Washington book with Topflight.
Apply, book a one-on-one call, and let the Care Team start your contracts. Four steps, no contract length.