How Agent Compensation Works

For more than 80 years, Blue Cross Blue Shield of Michigan and Blue Care Network have been committed to improving the health of Michigan residents. We know how important the agent community is to that mission.

To provide transparency, we’ve outlined the commission offered to agents for selling BCBSM and BCN medical products in this chart. An individual is charged the same premium regardless of whether they use an agent or directly apply for coverage through BCBSM or

An agent’s commissions are between 2% and 6% of premiums.

Agent compensation rates





6% 4%

3% 2%

Blue Cross also uses subcontractors to assist with member enrollment, distribution of commissions to agents and other administrative functions. These subcontractors may receive payment for their services.

We'll continue to give you the most up-to-date information to help guide you to a Blue Cross plan that best fits your needs.


Privacy issues: To report a concern or if you think your protected health information has been compromised, please call us at 1-800-552-8278 or email us. Don't include any protected health information in your email. 

Other issues: For customer service, call the number on the back of your member ID card.