# Medicare Agent Pay Structure

> Medicare agents earn $694 first year then $347 yearly for clients staying five years.
- Title: Medicare Agent Pay Structure · 24/7 Wall St. | Shortify
- Summary: Medicare agents earn $694 first year then $347 yearly for clients staying five years. Medicare agents earn $694 the first year and $347 annually for clients…
- Keywords: medicare, agent, enrollment, original medicare, advantage plan, medigap, premium, part b, Pay, Structure, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/14/the-agent-who-puts-you-in-advantage-earns-694-the-first-year-and-347-every-year-you-stay-he-earns-0-the-year-you-leave
- Author: Jake FitzGerald
- Published: 2026-10-15T00:42:56+00:00
- Read time: 1 min
- Topics: medicare, agent, enrollment, original medicare, advantage plan, medigap, premium, part b
## Medicare Open Enrollment Starts
Medicare open enrollment begins tomorrow with agents earning different amounts based on plan choices.
## Agent Pay Structure
Agents earn $694 first year and $347 yearly for clients staying five years, earning $0 if clients switch to Original Medicare.
## Why Pay Structure Matters
The pay structure influences agent behavior, with higher first-year payments rewarding new enrollments and renewal payments keeping clients.
## Original Medicare Pays $0
Original Medicare pays agents $0, but Medigap supplements may pay agents under state-regulated arrangements.
## Which Plans Get Sold First
Agents prioritize selling $0-premium Advantage plans with dental and gym extras that pay well for new enrollments.
## Questions Agents Avoid
Agents skip questions about network specialists, state winters, drug costs, and out-of-pocket maximums that affect real costs.
## Why Original Medicare Plus Medigap Is Rarely Discussed
Agents have no incentive to mention Original Medicare plus Medigap due to the irreversible nature of switching back.
## How to Use an Agent Well
Ask agents how many carriers they represent, if they sell Medigap plans, and if you can switch back without health questions.
## Critical Question Before Signing
Ask agents what they would recommend if they earned the same amount regardless of your choice.
## Key takeaway

Medicare agents earn $694 the first year and $347 annually for clients who stay five years, earning $0 if clients switch to Original Medicare.