ALMIA Voices Insights on Medicare Advantage Broker Policy During HHS Advisory Committee Meeting

ALMIA Submits Comments to the HHS Healthcare Advisory Committee

On November 6, 2026, the Alliance of Licensed Medicare Insurance Agencies (ALMIA) made a significant contribution to the HHS Healthcare Advisory Committee by submitting public comments ahead of the meeting scheduled for November 9. This public engagement is part of ALMIA's commitment to support the Strengthening Medicare Advantage Working Group, which focuses on improving the Medicare Advantage program.

The Role of ALMIA Agents

In their correspondence, ALMIA addressed essential topics concerning the compensation of licensed agents and brokers operating in the Medicare market. The association emphasized that its agents are among the most regulated professionals in the industry. They are mandated to recommend only the plans that are in the best interest of the beneficiaries, a stance that positions them as fiduciaries for Medicare recipients. ALMIA raised concerns regarding how a fiduciary designation could lead to increased costs for seniors while potentially limiting their access to necessary guidance.

The commission structure for agents was also thoroughly explained. The association clarified that agents earn a higher commission for new enrollments during a beneficiary's first year within the Medicare Advantage program, while helping a beneficiary transition to a different plan results in a significantly lower renewal commission. This highlights the financial dynamics at play, suggesting that the current compensation model may not incentivize agent involvement in assisting beneficiaries with plan changes.

Impact of Economic Variables on Commissions

ALMIA provided compelling evidence that tying commissions to the Consumer Price Index could have resulted in higher compensation rates than those currently established by CMS over the years from 2022 to 2025. This commentary underscores the importance of considering economic indicators in the ongoing discussion about agent compensation in the Medicare landscape.

Serving Vulnerable Populations

A noteworthy aspect of ALMIA's mission is its focus on serving vulnerable populations, including rural residents, low-income seniors, and those enrolled in Special Needs Plans. Many ALMIA agents operate via phone, ensuring accessibility for individuals who may lack internet access. As market dynamics shift, particularly with carriers withdrawing from certain markets or limiting service areas, the demand for knowledgeable and trusted agents becomes increasingly critical.

Gavin G. Galimi, the President of ALMIA, commented on the vital role played by licensed agents: "Licensed ALMIA agents help millions of seniors navigate plan changes at no cost to them or to taxpayers and are paid the same regardless of which plan is selected from among their available options. These licensed agents are critical in providing Medicare beneficiaries with multiple carrier options and advice, especially when plans are eliminated or benefits are diminished."

Looking Ahead

As ALMIA continues its engagement with the Healthcare Advisory Committee, the organization's commitment to ensuring Medicare beneficiaries receive tailored assistance remains a high priority. The ongoing conversation is vital to enhancing the Medicare Advantage program and ensuring that agents can effectively respond to the needs of the communities they serve.

ALMIA, a nonprofit alliance formed by leading insurance agencies including SelectQuote, eHealth, TRANZACT, HealthPlanOne, and Spring Venture Group, employs thousands of licensed agents dedicated to assisting millions of Medicare beneficiaries. For further information about ALMIA and its initiatives, please visit almia.health.