Humana has made many of its Medicare Advantage Prescription Drug (MAPD) plans non-commissionable for brokers over the past few years.

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    "summary": "Humana has made many of its Medicare Advantage Prescription Drug (MAPD) plans non-commissionable for brokers over the past few years.",
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      {
        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1woc7yr/comment/pblummr/",
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        "score": 14,
        "author": "Brown_Car1987",
        "excerpt": "I have them available, and will put a client on one of it is clearly the only real option for them. Last year, of my 700+ clients, I think I used them for maybe 10-15 people, usually because of formulary. I believe I will keep more clients long term by doing the right thing. I generally tell them we're not getting paid on this one.",
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        "author": "Key_Astronomer6500",
        "excerpt": "The issue is you’re taking on liability without getting paid. Carriers are making it so much harder for agents to make money\n\n W2 places won’t let you. Even the reduced commission plans. Can’t do what’s best for the client\n\n Edit: one reason is because you may be able to sell other types of plans or policies. Also, if it’s a spouse in the house.",
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        "author": "FederalFalcon7916",
        "excerpt": "I will never write a plan without commission.",
        "posted_at": "2026-09-24T05:13:07.000Z",
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        "author": "One-Perspective5691",
        "excerpt": "I have wondered the same",
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        "url": "https://www.reddit.com/r/InsuranceAgent/comments/1woc7yr/comment/pbroodo/",
        "depth": 0,
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        "author": "VitaminAnarchy",
        "excerpt": "I switched to ACA this year. I'm tired of the Medicare mayhem.",
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        "author": "FederalFalcon7916",
        "excerpt": "I have only lost 2 clients so far. Most of the non-commissionable plans are not very popular.",
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        "author_url": "https://www.reddit.com/user/FederalFalcon7916/"
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        "excerpt": "If a non commissionable plan is best for my client I’ll tell them; but I’ll also tell them I can’t sign them up for it because that carrier doesn’t want brokers writing that plan. If they want to enroll themselves they can.",
        "posted_at": "2026-09-27T04:26:03.000Z",
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      "[post] Across most of the country over the past few years, UnitedHealthcare and Humana have made many of their MAPD plans non-commissionable.",
      "[post] I refuse to work for free and represent these plans going forward."
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    "post_text": "Across most of the country over the past few years, UnitedHealthcare and Humana have made many of their MAPD plans non-commissionable. I refuse to work for free and represent these plans going forward.\n\nAre there any MAPD-certified brokers who are still willingly selling these plans? Just curious as to why you would put a client on a plan you receive no commissions on.",
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