Free tool · 2026 CMS rates
Medicare Commission Calculator
Medicare pays twice: $694 when you enroll a client and $347 every year they stay (2026 national maximums). Move the sliders to watch a steady enrollment pace turn into a renewal wall that pays before you sell anything.
Uses 2026 CMS maximum MA compensation ($694 initial / $347 renewal). Assumes every enrollment pays the initial rate; replacements that pay renewal-level amounts will lower year-one figures. Estimates only — not a guarantee of earnings.
Why the green bars take over
Every client you enroll this year joins next year's renewing book. Enroll 8 a month and keep ~88% of them, and by year five your renewals alone out-earn your new-business commissions — that's the renewal wall, and it's why experienced Medicare agents don't start each January at zero. The two levers that build it fastest: consistent enrollments (AEP plus year-round SEPs) and retention (annual reviews and right-fit plans).
Go deeper: the full 2026 commission breakdown, an honest look at the learning curve, and the AEP survival guide. Modeling other products too? Try the general income calculator.
Frequently asked questions
What are the 2026 Medicare Advantage commission rates?
CMS set the 2026 national maximums at $694 per initial enrollment and $347 per year for renewals — a 10.9% increase over 2025. Higher-cost states pay more: California's caps are $864 initial and $432 renewal. Part D (PDP) pays up to $114 initial and $57 renewal.
How does Medicare renewal income work?
Renewals pay every year a client stays enrolled while you remain agent of record with active appointments and current certifications. Because each year's new clients join the renewing book, income compounds: the same monthly production produces a much larger total each successive year.
What retention rate should I assume?
Well-served Medicare books commonly retain in the high-80s to low-90s percent per year. Annual review calls, accurate plan fit, and responsive service are the levers — every point of retention compounds across every future year.
Are these numbers guaranteed?
No. The calculator is an illustration using CMS maximum compensation; actual pay depends on your carrier contracts, whether enrollments qualify for initial or renewal-level compensation, retention, and market conditions. It is not a promise of earnings.