This year has been very confusing to say the least; as far as Medicare commisions 2025 go. As a result of recent lawsuits regarding the 2025 Medicare Final Rule, CMS issued updates to 2025 Medicare Advantage and Part D broker commissions on July 18, 2024. The newest amounts supersede those originally reported by CMS for CY 2025.
What you need to know
Please note; additional amounts previously stated have been removed. The one-time administrative increases of $100 to initial enrollments and $50 to renewals no longer apply.
This means, the additional money will not be added into the commission amounts anytime in the near future. If the judge approves CMS Final rule at some point in 2025, the commission rates will increase by $100 for initial enrollments and $50 for renewals.
Even without the increases listed above, CMS has increased commissions for both MA and PDP plans. This is due to an increase in the Fair Market Value (FMV). The maximum broker compensation below reflects the increase.
Maximum commissions 2025
It is important to note: commission rates vary by state.
In both CA and NJ, initial commission rates have increased from $762 per member for 2025 to $780 per member for the year. The renewal commissions for CA and NJ have gone up from $381 per member for the year to $390 per member for the year.
The states of CT, DC and PA have had an increase in initial MA commissions from $689 per member for the first year to $705 per member for the first year. Renewal commissions for CT, DC and PA have increased from $345 per member per year to $353 per member per year.
Both Puerto Rico and the U.S. Virgin Islands initial MA commissions have gone up from $418 per member for the year to $428 per member for the year. The renewal commissions have increased from $209 a member for the year to $214 per member for the year.
In all states not listed above, the initial MA commission amounts have increased from $611 per member per year to $626 per member per year. Renewal commissions have increased from $306 per member for the year to $313 per member for the year.
Learn how to start your Medicare business
Join the team at Crowe – Fill out a quick onine contract and get started!
Maximum commissions for PDP plans 2024:
The commission rates for PDP plans are the same in all states.
Initial commission rates for PDP plans have risen from $100 per member per year to $109 per member per year. Commissions for PDP plan renewals have also increased from $50 per member each year to $55 per member each year.
Medicare Advantage Commissions 2025
| Product | Region | 2024 | 2025 | %Increase | 2024 | 2025 | %Increase |
| MAPD | National | $611 | $626 | 2.45% | $306 | $313 | 2.19% |
| CT, PA, DC | $689 | $705 | 2.32% | $345 | $353 | 2.32% | |
| CA, NJ | $762 | $780 | 2.36% | $381 | $390 | 2.36% | |
| Puerto Rico, U.S. Virgin Islands | $418 | $428 | 2.39% | $209 | $214 | 2.29% | |
| PDP | National | $100 | $109 | 9% | $50 | $55 | 10% |