Project your annual income across Medicare, ACA, and final expense — using 2026's real commission numbers — and see where your money actually comes from.
2026 CMS max: $694 per new enrollment, $347 per renewal year.
ACA pays per member, per month — typically $20–$30 PMPM in 2026.
First-year commission is a % of annual premium (often ~100–120%).
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This is your projected income. What you actually keep depends on catching what slips: ACA PMPM the carriers short you, Medicare renewals you lose to other agents, and final-expense chargebacks inside the persistency window. Our Excel + Google Sheets trackers flag all three on one screen — instant download, no monthly fee.
Get the agent income & reconciliation trackers →Three very different pay models sit inside one agent's book. Medicare Advantage pays a flat amount per enrollment ($694 new / $347 renewal in 2026) — renewals quietly compound as your book grows. ACA / Under-65 pays per member, per month, so a large household and good persistency both lift income every single month. Final expense and life pay a percentage of annual premium up front, advanced over several months — which is exactly why early lapses trigger chargebacks. Knowing the mix is the first step to growing it.
The 2026 CMS maximum is $694 per new Medicare Advantage enrollment and $347 per renewal year. Renewal income compounds as your in-force book grows, so a mature book can out-earn new sales.
ACA pays per member, per month (PMPM) — typically $20–$30 in 2026. Annual ACA income ≈ total members × your PMPM rate × 12. Persistency matters because the income recurs every month a member stays enrolled.
Carriers miss or short PMPM payments, members lapse, and final-expense policies that cancel early get charged back. Reconciling commissions monthly and tracking persistency is how agents keep what this calculator projects.