Welcome to the Agility Intelligence Report. The latest insurance intelligence, carrier updates, compliance news, training opportunities, and market insights for Agility agents.

Medicare's Enrollment Period ends December 7.

Featured Report

Why Can Medicare Advantage Carriers Stop Paying Commissions?

• CMS sets a maximum commission, not a minimum.
• Carriers are not required to pay commissions on every Medicare Advantage plan.
• Compensation may change due to financial performance, medical costs, reimbursement, or strategy.
• CMS does not require carriers to pay the maximum commission or keep compensation consistent.
• Key takeaway: CMS regulates commission limits, not whether commissions must be paid on specific Medicare Advantage plans.

NEW INTELLIGENCE

2027 Medicare Updates

Market Watch

• Higher FMV: Maximum Medicare Advantage commission increased to $725 (initial) and $363 (renewal) in most states.
• Same-Day SOA: The 48-hour waiting period is eliminated, allowing same-day appointments after the SOA is completed.
• HRAs: May now be discussed and completed during enrollment if CMS marketing rules are followed.
• Part D: Annual prescription drug out-of-pocket cap and Medicare Prescription Payment Plan continue.

2027 ACA Updates

2027 Carrier Exits

• Cigna: Nationwide
• CareSource: IN, OH, WV
• PacificSource: All Marketplace plans 
• Baylor Scott & White: Texas Providence: Oregon (reducing WA offerings) 
• Mending: ME, OK
• Medica: IA, KS, OK
• Ambetter: DE, NH (Not yet confirmed, but reported) 
• Molina ACA Commission Update Although not confirmed, 
• Molina ACA plans are expected to resume paying agent commissions in states where plans were designated non-commissionable in 2026. 
• Agents should confirm 2027 commission schedules and state-specific availability as Open Enrollment approaches.

Rising medical costs, prescription drug spending, and market uncertainty continue to reshape the ACA Marketplace. 2027 carrier exits include:

Supplemental Updates

Life & Ancillary Spotlight: Add More Value Beyond Health Plans

• Ameritas – Competitive dental networks and individual dental/vision options
• Cigna Healthcare – Dental, vision, hearing, and supplemental options
• UnitedHealthcare – Broad ancillary portfolio through individual and senior-focused products
• Aetna – Dental and supplemental options in many markets

Dental & Vision

Hospital Indemnity / Accident / Critical Illness

• Aflac – Strong supplemental product lineup, including accident and hospital coverage
• Allstate Health Solutions – Competitive supplemental products and fixed-benefit plans
• Cigna Healthcare – Supplemental health products designed to help with out-of-pocket costs

• Mutual of Omaha – Popular final expense and simplified issue life options
• Foresters Financial – Competitive simplified issue life products

Final Expense / Senior Life

• $0 Premium Medicare Advantage: Dental/Vision/Hearing + Hospital Indemnity + Final Expense
• $0 Premium ACA Plans: Dental/Vision + Accident + Critical Illness + Term Life

Best pairings for agents:

CMS Fraud Watch

Top Marketplace Enrollment Risk Indicators

• Improper NPN overrides or incorrect agent attribution
• Enrollments with no member activity
• Multiple applications using shared contact information
• ZIP code or consumer data inconsistencies
• Missing required information or incomplete applications
• Lead sources

CMS is monitoring key risk indicators, including:

Your Partner In Success

Unparalleled Suport

• Agility Insurance Services’ Producer Support team delivers fast, reliable assistance to help agents succeed.
• 500+ calls answered daily with a 24-hour email response goal.Same-day issue resolution whenever possible.
• Support available in English, Spanish, and Vietnamese.
• Assistance with: Contracting and appointments, Certifications, Commissions and payments, Sales support, and product guidance

Why Choose Agility for dedicated support?

Have questions or need support?