Free calculator
Health & Medicare Book of Business Valuation
Medicare and health books trade actively, with buyers paying for renewal commission that keeps arriving each year. Enter your numbers for a range.
Your numbers
The numbers
Step 1 of 3
Loading your calculator…
How this valuation is worked out
Health and Medicare books are priced on renewal commission, usually 1.8 to 3.2 times. Medicare Advantage books with strong persistency sit at the top; individual health books with high churn sit at the bottom.
A worked example
A Medicare book of 900 members earning roughly $300 each per year is about $270K of renewal commission. At 1.8–3.2× that is $486K–$864K, with strong persistency and a well-documented CRM pushing the number up.
Multiple ranges reviewed September 2026, based on offers buyers in our network are making today. They are a guide, not a quote — see how the process works.
What moves your number
- Persistency and annual disenrollment rate
- Medicare Advantage versus supplement versus individual mix
- Average client age and expected renewal life
- Carrier concentration and contract assignability
Want the full picture? What Is My Medicare Book of Business Worth?
Common questions
Do Medicare books sell for more than health books?
Generally yes, because renewal commission is more predictable and persistency is easier for a buyer to model.
What about AEP timing?
Deals often close outside annual enrollment so the buyer can service renewals from day one.
Are commissions assignable?
It depends on the carrier. Assignability is checked early and affects the price.