"Is Selling Medicare Lucrative? Here’s What Agents Are Earning in 2025."
If you’re googling "Is selling Medicare lucrative in 2025?" you’re either: A) A fed-up insurance agent tired of begging for business, or B) A hustler eyeballing the senior market like it's the last slice of pizza.
Either way, you’re in the right place. At Health1, we don’t just sell Medicare. We dominate it. And we’re here to spill the real tea on what Medicare agents are pulling in this year.
The Short Answer: Yes, Selling Medicare Is Still Very Lucrative
If you want the elevator version: Medicare sales are hot. Still. In 2025, independent Medicare agents are cashing checks, building residual income, and flexing lifestyles that make 9-to-5ers weep into their commuter coffee.
Now for the deep dive.
What Do Medicare Agents Actually Earn in 2025?
Let’s talk numbers, because feelings don’t pay the bills.
The average independent Medicare agent in 2025 is earning anywhere from $50,000 to over $300,000 per year, depending on hustle, experience, and whether or not they understand the concept of "follow-up."
Here’s a rough income breakdown:
Newbies (Year 1-2): $40k–$75k (aka the "figuring it out" phase)
Mid-Level Agents (Year 3-5): $80k–$150k
Veteran Agents (5+ years): $150k–$300k+
Of course, some absolute maniacs are breaking $500k, but let’s not get ahead of ourselves. (Yet.)
The Magic of Residual Income
Here’s why Medicare sales are the golden goose: residuals.
When you enroll a client in a Medicare Advantage or Medicare Supplement plan, you don’t just get paid once. You get paid every year that client stays on the plan. Multiply that by hundreds (or thousands) of clients, and now you’ve got mailbox money that stacks while you nap.
In 2025, CMS has set the national Medicare Advantage commission at $601 for first-year enrollments and $301 for renewals. That means even if you stop selling tomorrow (please don’t), you’re still raking it in from your book of business.
Lucrative? Yes. Easy? Absolutely Not.
This ain’t a get-rich-quick game. Selling Medicare can be highly lucrative, but it takes:
Grit
Patience
A tolerance for weird hold music
And a burning hatred for paperwork (balanced by a love for compliance)
If you want six figures, you need to show up. Call leads. Learn the plans. Educate clients. Handle objections. And for the love of all things insured, follow up.
But here's the beauty: once you put in the work, the business starts working for you.
Where the Money's Flowing in 2025
Want to know where the smart agents are focusing their efforts? Here's where the juice is:
Medicare Advantage Plans – High demand, high commissions, and loads of extras that seniors love (dental, vision, OTC benefits). Win-win.
Dual-Eligible Plans (Medicare + Medicaid) – These plans are booming in urban and low-income markets. Volume is king.
Medicare Supplement Plans (Medigap) – Lower churn rate, higher client satisfaction, and that sweet, sweet residual.
Prescription Drug Plans (Part D) – Lower commissions but super easy to cross-sell and bundle.
And don’t sleep on cross-selling dental, vision, and hospital indemnity. That’s your commission dessert.
What Sets Top-Earning Agents Apart?
Spoiler: It’s not luck.
The agents stacking serious money in 2025 are:
Using CRM systems like pros
Running targeted Facebook ads or hosting killer local events
Mastering referral relationships with doctors, pharmacists, and senior centers
Getting certified in everything and staying ahead of compliance
Actually calling their clients back (wild concept, we know)
They treat it like a business, not a hobby. And they get paid like business owners.
Why the Medicare Market Is Still on Fire
Two words: Aging Boomers.
Every day, over 11,000 people age into Medicare. That’s a non-stop conveyor belt of opportunity. And with Medicare plans evolving faster than a toddler on a sugar high, people need help making sense of it all.
In short: the demand is bottomless.
What About Captive vs. Independent?
Captive agents are tied to one carrier. Independent agents work with multiple carriers.
Guess which one earns more?
Independent agents generally have higher earning potential, more flexibility, and can offer better options to clients. But they also have to self-manage, which separates the champs from the chumps.
At Health1, we train you to be the champ.
So... Is Selling Medicare Worth It?
If you like helping people, enjoy building a long-term income stream, and aren’t afraid of phones, yes. Selling Medicare in 2025 is absolutely worth it. It’s not a side hustle. It’s a career move.
It’s one of the few industries where you can truly build something that pays you year after year, without having to sling NFTs or do TikTok dances.
Want In? Let's Talk.
If you’re thinking, "Okay, I want in on this," stop thinking and start dialing. At Health1, we train Medicare agents to crush it. Whether you’re brand new or looking to take your agency to the next level, we’ve got the blueprint.
Reach out to us today and learn how to start selling Medicare like a pro in 2025. No fluff. No nonsense. Just real strategies, solid support, and a team that actually gives a damn.
Click here to get in touch, or call us now. Let’s make money and help people while we’re at it.