Protect Medicare Guidance & Beneficiary Choice

Proposed Medicare Advantage Compensation Restrictions Could Impact Broker Support

On June 10, 2026, proposed legislation was discussed that would place new federal limits on Medicare Advantage agent and broker compensation. While consumer protection, transparency, and strong compliance standards are essential, we believe any policy changes should be careful not to reduce beneficiaries’ access to licensed, professional Medicare guidance.

Medicare is already complex, and beneficiaries often rely on licensed agents and brokers to help them compare plan options, check provider networks, review prescription drug coverage, understand benefits, complete enrollment, and receive support after enrollment.

Our position is simple: protect Medicare beneficiaries, preserve access to licensed Medicare guidance, and focus enforcement on bad actors rather than policies that may unintentionally drive experienced, compliant professionals out of the market.

What Happened?

A proposal discussed in the House Energy and Commerce Health Subcommittee would require the Department of Health and Human Services to establish a maximum compensation amount for agents, brokers, and certain third parties connected to for-profit Medicare Advantage organizations.

The proposal would also expand the definition of compensation to include certain incentives, bonuses, trips, and other benefits tied to Medicare Advantage enrollments.

Supporters of the proposal argue that compensation arrangements may influence which plans agents recommend. However, broad restrictions on compensation may have unintended consequences for the beneficiaries who rely on licensed professionals for education, enrollment assistance, and ongoing support.

Why This Matters to Brokers and Beneficiaries

Licensed Medicare agents and brokers play a critical role in helping beneficiaries navigate their options. This includes:

Comparing Medicare Advantage, PDP, and other plan options
Checking whether doctors, hospitals, and specialists are in-network
Reviewing prescription drug formularies and pharmacy options
Explaining premiums, copays, deductibles, prior authorization, and plan benefits
Helping beneficiaries understand annual plan changes
Assisting with enrollment
Providing year-round service after the sale

Many beneficiaries receive this help at no direct cost to them. If compensation restrictions make it harder for independent agents and smaller agencies to remain in the Medicare market, beneficiaries may have fewer local, trusted resources to turn to when making important healthcare decisions.

Our Position

We support strong consumer protections, ethical sales practices, transparency, and compliance in Medicare sales. We also support efforts to stop misleading advertising, abusive lead generation, and noncompliant sales behavior.

However, we oppose broad policies that may reduce access to ethical, licensed Medicare professionals.

1. Protect Beneficiaries

Beneficiaries should continue to have access to licensed guidance when reviewing Medicare options.

2. Preserve Choice

Seniors deserve education, plan comparisons, enrollment assistance, and year-round support without being left to navigate Medicare alone.

3. Support Compliance

Licensed agents are already subject to CMS marketing rules, state licensing, annual certifications, carrier oversight, disclosures, training requirements, and compliance standards.

4. Focus on Bad Actors

Policymakers should target misleading marketing, abusive lead generation, and noncompliant sales practices rather than reducing access to the professionals who serve beneficiaries ethically.

How You Can Take Action

Sign the Opposition Letter

Add your name, agency, state, and role to show support for preserving beneficiary access to licensed Medicare guidance.

Agents, agencies, providers, caregivers, community partners, and beneficiaries are invited to sign this opposition letter in support of protecting access to licensed Medicare guidance and preserving beneficiary choice.

By signing, you are helping show policymakers that Medicare beneficiaries continue to rely on licensed professionals for education, plan comparisons, enrollment assistance, and year-round support.

Name

Phone

State

Role

Comments

Consent

By submitting this form, I authorize TAIA to include my name, agency or organization name, state, role, and optional comments in advocacy efforts related to protecting Medicare beneficiaries’ access to licensed Medicare guidance.

I understand this information may be used in coalition letters, petition summaries, congressional outreach, public advocacy materials, and related communications.

I understand that my email address and phone number will not be publicly displayed and will only be used for campaign updates, verification, or follow-up related to this advocacy effort.

Participation is voluntary, and I may request removal from future advocacy materials by contacting agents@taia.us.

Contact Congress

Example Email

Subject: Oppose Proposed Restrictions on Medicare Agent and Broker Compensation

To Whom It May Concern,

I am writing to respectfully oppose proposed legislation that would place additional federal limits on Medicare Advantage agent and broker compensation.

As a licensed Medicare professional, I support strong consumer protections, ethical sales practices, transparency, and compliance. Medicare beneficiaries deserve accurate information, fair treatment, and protection from misleading marketing. However, broad compensation restrictions could create unintended consequences that may reduce access to the very guidance many beneficiaries rely on.

Medicare is complex. Beneficiaries often need help comparing plan options, checking whether their doctors and hospitals are in-network, reviewing prescription drug coverage, understanding plan benefits, completing enrollment, and receiving support after enrollment.

Licensed agents and brokers provide this assistance at no direct cost to beneficiaries. Many seniors rely on local agents for personalized service, especially when they do not feel comfortable navigating Medicare options alone or when they need help understanding annual plan changes.

Agents also invest significant time and resources into remaining compliant. This includes maintaining state licensing, completing annual certifications, following CMS marketing rules, participating in carrier training, carrying Errors and Omissions coverage, and meeting documentation and disclosure requirements.

I believe policymakers should focus enforcement efforts on misleading advertising, abusive lead generation, and noncompliant sales practices. Reducing compensation for ethical, licensed professionals may make it harder for independent agents and smaller agencies to continue serving beneficiaries, particularly in rural, underserved, and lower-income communities.

Consumer protection and access to professional guidance should not be treated as competing goals. Medicare beneficiaries deserve both.

I respectfully urge Congress to reconsider this proposal and to pursue reforms that protect beneficiaries while preserving their access to qualified, licensed Medicare guidance.

Thank you for your time and consideration.

Respectfully,

[Name]
[Agency Name]
[City, State]
[Phone or Email]

Share Your Medicare Story

Real stories help explain the value of licensed Medicare guidance. Brokers, beneficiaries, caregivers, providers, and community partners are encouraged to share examples of how licensed support has made a difference.

Your experience can help policymakers understand the real-world impact of licensed Medicare guidance.

Please share a story about how an agent, broker, agency, provider, caregiver, or community partner helped a Medicare beneficiary understand their options, solve a problem, review coverage, avoid confusion, or receive support after enrollment.

Stories may come from beneficiaries, caregivers, licensed agents, agency staff, providers, medical groups, or community organizations.

Name

State

I Am A

Story Title

Your Story

May We Share Your Story?

Consent

By submitting this form, I certify that the story or information I provide is accurate to the best of my knowledge.

I authorize TAIA to review and use my submitted story for advocacy efforts related to protecting Medicare beneficiaries’ access to licensed Medicare guidance, education, enrollment assistance, and year-round support.

I understand my story may be used in coalition materials, congressional outreach, public advocacy materials, website content, social media, email communications, or related educational efforts, based on the sharing permission I select in this form.

I understand participation is voluntary and that I may request removal from future advocacy materials by contacting info@taia.us.

Join as a Coalition Partner

Agencies, FMOs, medical groups, providers, community organizations, and advocacy groups may join as coalition partners in support of preserving beneficiary access to licensed Medicare guidance.

Organizations that support continued access to licensed Medicare guidance are invited to join as coalition partners.

By joining, your organization can help show policymakers that brokers, agencies, providers, community partners, and beneficiary advocates are united in support of consumer protection, compliance, and continued access to professional Medicare guidance.

Organization Name

Authorized Representative Name

Title / Role

Phone

Website

State

Organization Type

Number of Employees

Number of Beneficiaries Served Annually

Organization Statement

Public Recognition

Consent

I certify that I am authorized to submit this form on behalf of the organization identified above.

I authorize TAIA to include our organization as a coalition supporter in advocacy efforts related to protecting Medicare beneficiaries’ access to licensed Medicare guidance.

I understand that our organization may be listed in coalition letters, congressional outreach materials, public supporter lists, advocacy campaigns, and related educational materials if public recognition is authorized.

Participation is voluntary and may be withdrawn by contacting agents@taia.us.

Share With Others

Suggested Email Copy

Subject: Help Protect Beneficiary Access to Licensed Medicare Guidance

Hi Brokers,

A recent proposal discussed in Congress could place new federal limits on Medicare Advantage agent and broker compensation.

While we support strong consumer protections, transparency, and compliance, we are concerned that broad compensation restrictions could reduce beneficiary access to licensed Medicare guidance, especially from local agents and independent agencies.

Medicare beneficiaries often rely on brokers to compare plan options, check providers, review prescriptions, explain benefits, complete enrollment, and receive year-round support. Many receive this help at no direct cost to them.

We believe policymakers should focus on misleading marketing, abusive lead generation, and noncompliant sales practices without limiting access to the ethical, licensed professionals who help beneficiaries every day.

Please take a few minutes to support this advocacy effort:

Sign the opposition letter
Contact your elected officials
Share a story about how licensed Medicare guidance helps beneficiaries
Encourage your agency or organization to join as a coalition partner

Your voice matters. Real broker and beneficiary experiences can help policymakers understand why access to licensed Medicare guidance must be preserved.

Thank you for the work you do to serve Medicare beneficiaries.

Important Compliance Note

This advocacy material is for education and outreach purposes only. It does not provide legal advice, does not represent a government agency, and is not affiliated with Medicare, CMS, HHS, or any federal agency.

Individuals should contact their elected officials directly and may personalize any letter before submission. Participation is voluntary.

Not affiliated with the United States government or federal Medicare program.