We recently issued our annual contract amendment outlining 2026 commission rates for our Medicare plans. These changes are part of our ongoing effort to continue providing access to affordable, high-quality care across our Medicare portfolio in response to ongoing funding pressures and rising healthcare costs. Our commitment to our agents and brokers remains strong, and we remain dedicated to providing you with tools and resources to help navigate these industry challenges while we focus on the long-term stability of our plans for the members we’re privileged to serve. We value the critical role you play in supporting our members, and we look forward to working together to deliver on our shared mission to serve members.
 

Here's a quick summary of what you should know (Reference your amendment for specific rates and full details):
 

Medicare Advantage

Acknowledging the important services agents provide our members and the complexity of SNP and HMO products, we’re making the following changes: 

• Renewal commission rates for existing UHC members
  • We will increase our rates to pay the 2026 CMS maximum allowed for the majority of our plans. This includes all HMO, D-SNP and C-SNP plan types, for members effective 2020 and after. 
    
  • We will continue to pay the current rate for non-SNP PPO plan types, which is the 2025 CMS maximum, for members effective for plan years 2020-2025. 
    
  • Members effective prior to 2020 will continue to be paid at the renewal rate of the year the enrollment became effective*.

• Commission rates for new enrollments, including UHC to UHC plan changes 
  • We will increase our rates to pay the 2026 CMS maximum allowed for commissionable HMO, D-SNP and C-SNP plan types for members effective 2026 and after. 
    
  • Commissionable non-SNP PPO plans will be paid at a reduced rate. 
     

Delivering stability by maintaining the benefits members value most continues to be a key priority. As a result, a selection of UnitedHealthcare Medicare Advantage plans will transition to retention-focused starting with applications signed on or after Oct 1, 2025.

• We will continue to pay commissions related to existing members who stay enrolled in these plans for 2026.
  
• These plans will no longer be commissionable for new enrollments or plan changes.
  
• Coming soon, you will be able to view this detail in the Medicare Product Portal to make it easy for you to quickly view 2026 MA plan information.
   

See your contract and associated amendments for the respective enrollment year for renewal commission terms.
 

Prescription Drug Plans

There are no new changes to our Prescription Drug Plan (PDP) commission rates. 

• Renewals for existing UHC members: If you are currently receiving renewal commission for a PDP enrollment, you will continue to receive the renewal commission established by the commission schedule in place at the time of enrollment as long as the member remains enrolled in the PDP.
• New enrollments, including UHC to UHC plan changes: PDP plans will continue to be non-commissionable for all new enrollments.
   

Medicare Supplement and Standalone UnitedHealthcare Dental, Vision, Hearing Plans

To support plan sustainability and continue to deliver value to our current members, please note the following details:

• Renewal commission rates for existing UHIC and UHICA Medicare Supplement members: We’ll continue to pay our renewal commissions for existing business.
• New business commission rates for UHIC Medicare Supplement plans: For UnitedHealthcare Insurance Company (UHIC) plans, we've increased or maintained commission rates in 35 states for new policy effective dates of January 1, 2026, and after, with applicant signature dates on or after October 1, 2025. Commission rates were reduced in the remaining states. 
• New business commission rates for UHICA Medicare Supplement plans: UnitedHealthcare Insurance Company of America (UHICA) plans in IN, OK and TN will no longer be commissionable for applicant signature dates of October 1, 2025, and after, for policy effective dates of January 1, 2026, and after. Commissions have been reduced in all other UHICA states for applicant signature dates of October 1, 2025, and after, with policy effective dates of January 1, 2026, and after. 
• Standalone UnitedHealthcare Dental, Vision, Hearing plans: We’re discontinuing new enrollments and plan changes in the standalone UnitedHealthcare Dental Vision, Hearing Plans (DVH) insured by UnitedHealthcare Insurance Company as of October 1, 2025. Renewal commissions for these plans will continue for any existing policy. 
   

See your contract and associated amendments for details.
 

For more details on these changes, please review the contract amendment that was sent Sept. 9. Our commitment to supporting you remains strong and we look forward to our continued collaboration. 
 

*With limited exceptions for pre-2020 effectives in certain California counties.
 

Confidential and proprietary information of UnitedHealth Group. For internal/agent use only. Do not distribute or reproduce any portion without the express written permission of UnitedHealth Group. 

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