Protecting Medicare Consumers And Agents

Protecting Medicare Consumers And Agents

Across the country, both Medicare and Affordable Care Act (ACA) consumers and the independent agents who serve them are facing new challenges. Many insurance carriers are reducing or eliminating commissions, restricting access to plan applications, or changing payment structures. These practices can disrupt fair competition and limit the ability of agents to provide clear, unbiased help to beneficiaries. Ther have been many people wondering; who is protecting Medicare consumers and agents amidst all this change.

To address this growing concern, NABIP has stepped forward as a strong advocate for both consumers and agents. On October 21, 2025, NABIP sent a letter to the National Association of Insurance Commissioners (NAIC) and all state insurance commissioners, urging a coordinated response to protect fairness in the Medicare and ACA markets.

NABIP’s concerns include:

• The use of “zero-commission” or drastically reduced commission structures on select plans
• Limiting or removing access to plan applications for appointed agents
• Making mid-year commission changes without proper notice
• Steering consumers toward carrier-preferred products by discouraging certain plan sales.

According to NABIP, these tactics not only manipulate markets but also restrict consumer choice and weaken the role of licensed, independent agents. Agents are essential to helping seniors and individuals with disabilities navigate complex coverage options and make informed decisions.

Watch a YouTube video on Medicare Advantge plans going non-commissionable

NABIP referenced the Idaho Department of Insurance as a model for other states

Idaho’s Bulletin No. 25-06 clarified that carriers must keep plan applications accessible to both agents and consumers, prohibit mid-year commission changes, and ensure commissions included in filed products are paid as approved. NABIP is urging every state to adopt similar protections to maintain fairness and transparency.

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Independent agents are a cornerstone of consumer protection. They act as trusted advisors who focus on client needs; not corporate preferences. When compensation is reduced or access is restricted, consumers lose guidance, choice, and confidence in the system.

NABIP continues to work with regulators nationwide, offering documentation, examples, and testimony from licensed producers. Its goal is clear: to ensure accountability, preserve competitive markets, and protect the vital connection between consumers and the professionals who serve them.

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