Medicare agents and brokers must follow updated rules in 2026 to ensure transparency and compliance when helping beneficiaries. Agents cannot use superlative terms like best, largest, or most affordable in marketing materials unless they can substantiate these claims with verified data.

Since October 1, 2024, all marketing, sales, and enrollment calls must be recorded and stored for at least 10 years. This requirement applies to both individual agents and third-party marketing organizations. Additionally, agents must observe a 48-hour waiting period after a Scope of Appointment form is signed before discussing specific Medicare plan details with beneficiaries. This cooling-off period ensures consumers have adequate time to consider their options without pressure.

Annual training and testing requirements continue for 2026. Agents must complete updated compliance and product training each year to maintain their certifications. These educational requirements help ensure agents stay current with evolving Medicare regulations and can provide accurate guidance to beneficiaries.