Free Tool · For Agents · 2026 figures

Insurance Agent Income Calculator

Project your annual income across Medicare, ACA, and final expense — using 2026's real commission numbers — and see where your money actually comes from.

🟦 Medicare Advantage

2026 CMS max: $694 per new enrollment, $347 per renewal year.

🟩 ACA / Under-65 (PMPM)

ACA pays per member, per month — typically $20–$30 PMPM in 2026.

🟨 Final Expense / Life

First-year commission is a % of annual premium (often ~100–120%).

Projected annual income
Medicare
ACA (annual)
Final Expense

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👔 Now protect every dollar of it.

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.

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How agent income works in 2026

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.

Frequently asked questions

How much do Medicare agents make in 2026?

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.

How is ACA agent income calculated?

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.

Why is my real income lower than the projection?

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.