---
title: "Topflight Release Policy"
description: "Topflight release policy, the January 2 to August 31 release window, AEP 2027 carrier transfer blackout deadlines, ACA blackout periods and release forms."
url: https://topflightagent-demo-v2.pages.dev/agent-release-transfer
dateModified: 2026-06-30
---

# Topflight Release Policy

Policy

Topflight grants releases between January 2 and August 31. Allow up to 14 business days for Top of Hierarchy signatures, and note that no release is granted within 90 days of marketing support or event sponsorship. AEP 2027 carrier blackout deadlines are listed below.

At Topflight, we value professionalism, accountability, and the significant investments we make in supporting our agents. To ensure fairness and compliance, all release requests are subject to the following guidelines.

01

## Release Period

Releases are granted only during the period of January 2 – August 31. Requests submitted outside this window will not be processed.

02

## Processing Timeline

Once the Reciprocal Release is returned, please allow up to 14 business days to obtain all required Top of Hierarchy signatures.

03

## Marketing & Event Investment

No release will be granted if Topflight has provided marketing support, reimbursements, or event sponsorship for the agent within the last 90 days.

04

## Use of Topflight Resources

All Topflight resources (training materials, guides, templates, branding assets, etc.) must be immediately destroyed upon release. Resources may not be duplicated, copied, or used after termination.

## AEP 2027 Carrier Blackout Deadlines

Carrier contract transfer deadlines for AEP 2027. Source: Spark Advisors, confirmed as of June 30, 2026. Not all carriers are represented.

Missing a blackout deadline means your transfer cannot be processed in time for AEP 2027. Start early, especially for carriers with deadlines coming up soon.

Two types of transfer. **With Release** means your current upline has signed a release letter, allowing immediate processing. **Without Release** usually starts a 60–90 day waiting period for most carriers.

Showing 50 of 54 deadlines, plus 4 estimated

### June

| Carrier | Transfer Type | Deadline |
|---|---|---|
| UnitedHealthcare | Without Release | May 31, 2026Passed |
| CareSource | Without Release | Jun 3, 2026Passed |
| Healthspring | Without Release | Jun 17, 2026Passed |
| Anthem | Without Release | Jun 30, 2026Passed |
| Freedom | Without Release | Jun 30, 2026Passed |
| HealthSun | Without Release | Jun 30, 2026Passed |
| Select Health | Without Release | Jun 30, 2026Passed |

#### UnitedHealthcare

Transfer type

Without Release
Deadline

May 31, 2026Passed

##### CareSource

Transfer type

Without Release
Deadline

Jun 3, 2026Passed

##### Healthspring

Transfer type

Without Release
Deadline

Jun 17, 2026Passed

##### Anthem

Transfer type

Without Release
Deadline

Jun 30, 2026Passed

##### Freedom

Transfer type

Without Release
Deadline

Jun 30, 2026Passed

##### HealthSun

Transfer type

Without Release
Deadline

Jun 30, 2026Passed

##### Select Health

Transfer type

Without Release
Deadline

Jun 30, 2026Passed

#### July

| Carrier | Transfer Type | Deadline |
|---|---|---|
| Clover | Without Release | Jul 1, 2026Passed |
| Highmark | Without Release | Jul 1, 2026Passed |
| Aetna | Without Release | Jul 3, 2026Passed |
| Humana | With Release | Jul 15, 2026Passed |
| Humana | Without Release | Jul 15, 2026Passed |
| Gold Kidney | Without Release | Jul 17, 2026Passed |
| Kelsey Seybold | Without Release | Jul 31, 2026Passed |

##### Clover

Transfer type

Without Release
Deadline

Jul 1, 2026Passed

##### Highmark

Transfer type

Without Release
Deadline

Jul 1, 2026Passed

##### Aetna

Transfer type

Without Release
Deadline

Jul 3, 2026Passed

##### Humana

Transfer type

With Release
Deadline

Jul 15, 2026Passed

##### Humana

Transfer type

Without Release
Deadline

Jul 15, 2026Passed

##### Gold Kidney

Transfer type

Without Release
Deadline

Jul 17, 2026Passed

##### Kelsey Seybold

Transfer type

Without Release
Deadline

Jul 31, 2026Passed

#### August

| Carrier | Transfer Type | Deadline |
|---|---|---|
| Eternal | Without Release | Aug 2, 2026Passed |
| Wellcare | Without Release | Aug 7, 2026Passed |
| DevotedTransfers 8/15–10/8 will not be effective until 12/8 | Without Release | Aug 14, 2026Passed |
| BCBS MI | With Release | Aug 31, 2026Passed |
| BCBS MI | Without Release | Aug 31, 2026Passed |
| BCBS SC | With Release | Aug 31, 2026Passed |
| BCBS SC | Without Release | Aug 31, 2026Passed |
| CareSource | With Release | Aug 31, 2026Passed |
| Kelsey Seybold | With Release | Aug 31, 2026Passed |
| Memorial Hermann | With Release | Aug 31, 2026Passed |
| Memorial Hermann | Without Release | Aug 31, 2026Passed |
| UnitedHealthcare | With Release | Aug 31, 2026Passed |

##### Eternal

Transfer type

Without Release
Deadline

Aug 2, 2026Passed

##### Wellcare

Transfer type

Without Release
Deadline

Aug 7, 2026Passed

##### Devoted

Transfer type

Without Release
Deadline

Aug 14, 2026Passed

Transfers 8/15–10/8 will not be effective until 12/8

##### BCBS MI

Transfer type

With Release
Deadline

Aug 31, 2026Passed

##### BCBS MI

Transfer type

Without Release
Deadline

Aug 31, 2026Passed

##### BCBS SC

Transfer type

With Release
Deadline

Aug 31, 2026Passed

##### BCBS SC

Transfer type

Without Release
Deadline

Aug 31, 2026Passed

##### CareSource

Transfer type

With Release
Deadline

Aug 31, 2026Passed

##### Kelsey Seybold

Transfer type

With Release
Deadline

Aug 31, 2026Passed

##### Memorial Hermann

Transfer type

With Release
Deadline

Aug 31, 2026Passed

##### Memorial Hermann

Transfer type

Without Release
Deadline

Aug 31, 2026Passed

##### UnitedHealthcare

Transfer type

With Release
Deadline

Aug 31, 2026Passed

#### September

| Carrier | Transfer Type | Deadline |
|---|---|---|
| SCAN | Without Release | Sep 1, 2026Passed |
| Banner | With Release | Sep 14, 2026Passed |
| Banner | Without Release | Sep 14, 2026Passed |
| HealthSpring | With Release | Sep 14, 2026Passed |
| Alignment | With Release | Sep 15, 2026Passed |
| Alignment | Without Release | Sep 15, 2026Passed |
| SCAN | With Release | Sep 15, 2026Passed |
| Wellcare | With Release | Sep 20, 2026Passed |
| Aetna | With Release | Sep 30, 2026Passed |
| Astiva | With Release | Sep 30, 2026Passed |
| Astiva | Without Release | Sep 30, 2026Passed |
| BCBS AZ | With Release | Sep 30, 2026Passed |
| BCBS AZ | Without Release | Sep 30, 2026Passed |
| Clever Care | With Release | Sep 30, 2026Passed |
| Clever Care | Without Release | Sep 30, 2026Passed |
| Clover | With Release | Sep 30, 2026Passed |
| Eternal | With Release | Sep 30, 2026Passed |
| Highmark | With Release | Sep 30, 2026Passed |
| Molina | With Release | Sep 30, 2026Passed |
| Molina | Without Release | Sep 30, 2026Passed |
| Select Health | With Release | Sep 30, 2026Passed |
| Zing | With Release | Sep 30, 2026Passed |
| Zing | Without Release | Sep 30, 2026Passed |

##### SCAN

Transfer type

Without Release
Deadline

Sep 1, 2026Passed

##### Banner

Transfer type

With Release
Deadline

Sep 14, 2026Passed

##### Banner

Transfer type

Without Release
Deadline

Sep 14, 2026Passed

##### HealthSpring

Transfer type

With Release
Deadline

Sep 14, 2026Passed

##### Alignment

Transfer type

With Release
Deadline

Sep 15, 2026Passed

##### Alignment

Transfer type

Without Release
Deadline

Sep 15, 2026Passed

##### SCAN

Transfer type

With Release
Deadline

Sep 15, 2026Passed

##### Wellcare

Transfer type

With Release
Deadline

Sep 20, 2026Passed

##### Aetna

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Astiva

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Astiva

Transfer type

Without Release
Deadline

Sep 30, 2026Passed

##### BCBS AZ

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### BCBS AZ

Transfer type

Without Release
Deadline

Sep 30, 2026Passed

##### Clever Care

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Clever Care

Transfer type

Without Release
Deadline

Sep 30, 2026Passed

##### Clover

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Eternal

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Highmark

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Molina

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Molina

Transfer type

Without Release
Deadline

Sep 30, 2026Passed

##### Select Health

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Zing

Transfer type

With Release
Deadline

Sep 30, 2026Passed

##### Zing

Transfer type

Without Release
Deadline

Sep 30, 2026Passed

#### October

| Carrier | Transfer Type | Deadline |
|---|---|---|
| Gold Kidney | With Release | Oct 14, 202611 days left |

##### Gold Kidney

Transfer type

With Release
Deadline

Oct 14, 202611 days left

#### Estimated dates — not yet confirmed

| Carrier | Transfer Type | Deadline |
|---|---|---|
| Doctor's Health Plan | With Release | Estimated AugustEstimated |
| Doctor's Health Plan | Without Release | Estimated AugustEstimated |
| HAP | With Release | Estimated end of SeptEstimated |
| HAP | Without Release | Estimated end of SeptEstimated |

##### Doctor's Health Plan

Transfer type

With Release
Deadline

Estimated AugustEstimated

##### Doctor's Health Plan

Transfer type

Without Release
Deadline

Estimated AugustEstimated

##### HAP

Transfer type

With Release
Deadline

Estimated end of SeptEstimated

##### HAP

Transfer type

Without Release
Deadline

Estimated end of SeptEstimated

### Special case

Anthem with a valid release can transfer at any time. No blackout date applies.

### No blackout date

These carriers have no blackout date. Transfers can be processed at any time, with or without release:

- BCBS TN
- El Paso
- Essence
- Imperial
- Prominence
- Solis
- Verda

## ACA Carrier Blackout Periods

Requesting new and/or transfers of contracts and appointments will not be allowed during these periods. Carriers not included here do not have an announced blackout period yet.

Showing 17 of 17 carrier periods

| Carrier | New | Transfer | Starting Date | End Date |
|---|---|---|---|---|
| Ambetter |  | Yes | 06/16 | 04/15 |
| Avmed | Yes | Yes | 11/2024 | Not confirmed |
| BCBS AZ | Yes | Yes | 11/01 | 01/31 |
| BCBS MI |  | Yes | 09/01 | 01/31 |
| BCBS NC | Yes | Yes | 10/01 | 03/31 |
| BCBS SC |  | Yes | 09/01 | 03/01 |
| Christus Health |  | Yes | 09/01 | 01/31 |
| Harbor Health |  | Yes | 10/15 | 01/01 |
| Highmark | Yes | Yes | 10/01 | 12/10 |
| Imperial Health | Yes |  | 08/31 | 03/31 |
| Jefferson Health |  | Yes | 06/30 | 03/01 |
| Molina |  | Yes | 10/01 | 01/31 |
| Oscar |  | Yes | 09/01 | 05/31 |
| Priority Health | Yes |  | 08/01 | 08/31 |
| Priority Health |  | Yes | 10/01 | 01/10 |
| SummaCare |  | Yes | 10/15 | 12/12 |
| UHC |  | Yes | 10/01 | 02/01 |

### Ambetter

New

—

Transfer

Yes

Starting

06/16

End

04/15

#### Avmed

New

Yes

Transfer

Yes

Starting

11/2024

End

TBA

##### BCBS AZ

New

Yes

Transfer

Yes

Starting

11/01

End

01/31

##### BCBS MI

New

—

Transfer

Yes

Starting

09/01

End

01/31

##### BCBS NC

New

Yes

Transfer

Yes

Starting

10/01

End

03/31

##### BCBS SC

New

—

Transfer

Yes

Starting

09/01

End

03/01

##### Christus Health

New

—

Transfer

Yes

Starting

09/01

End

01/31

##### Harbor Health

New

—

Transfer

Yes

Starting

10/15

End

01/01

##### Highmark

New

Yes

Transfer

Yes

Starting

10/01

End

12/10

##### Imperial Health

New

Yes

Transfer

—

Starting

08/31

End

03/31

##### Jefferson Health

New

—

Transfer

Yes

Starting

06/30

End

03/01

##### Molina

New

—

Transfer

Yes

Starting

10/01

End

01/31

##### Oscar

New

—

Transfer

Yes

Starting

09/01

End

05/31

##### Priority Health

New

Yes

Transfer

—

Starting

08/01

End

08/31

##### Priority Health

New

—

Transfer

Yes

Starting

10/01

End

01/10

##### SummaCare

New

—

Transfer

Yes

Starting

10/15

End

12/12

##### UHC

New

—

Transfer

Yes

Starting

10/01

End

02/01

All dates are subject to the carrier's discretion and may change without prior notice.

Source: BenaVest

## Carrier Release & Transfer Forms

### Cigna Med Supp

- Step 1:Fill out the form.
- Step 2:Send the completed form to support@topflightagent.com
- Step 3:Wait 1–3 days for the form to be signed by your upline (Topflight).
- Step 4:Return the form to Cigna.
Cigna Supplemental Benefits

- Attn: Agent Contracting
- Fax: 888-832-4154
- Email: [CSBLicensing@Cigna.com](mailto:CSBLicensing@Cigna.com)
Open Cigna Release Form

### Aetna MAPD

- Step 1:Fill out the form.
- Step 2:Send the completed form to support@topflightagent.com
- Step 3:Wait 1–3 days for the form to be signed by your immediate upline (Topflight).
- Step 4:Wait 1–2 weeks for the form to be signed by Top of Hierarchy.
Open Aetna Release Form

### Wellcare Transfer

- Step 1:The transfer instructions start on page 39 of the PDF.
- Step 2:To transfer TO Topflight or an agency under Topflight, type in your direct upline's agency name.
- Step 3:If you are direct to Topflight, type: "Topflight Insurance Solutions".
Open Wellcare Transfer PDF (page 39)

## Forms ready?

Once your forms are complete, submit your release request.

Submit Agent Release Request

## Questions about this policy?

If you have any questions or concerns about this Release Policy, please contact us.

[support@m.topflightagent.com](mailto:support@m.topflightagent.com)

In short

## The release policy in five lines

- ◆Releases are granted between **January 2 and August 31**. Requests outside the window are not processed.
- ◆Allow up to **14 business days** after the reciprocal release is returned for all Top of Hierarchy signatures.
- ◆No release is granted within **90 days** of Topflight marketing support, reimbursements or event sponsorship.
- ◆**With release** means your current upline signed a release letter and the transfer processes immediately. **Without release** usually starts a 60 to 90 day waiting period with most carriers.
- ◆Completed forms go to **support@topflightagent.com**. Topflight resources must be destroyed upon release.
**Transferring to Topflight from another FMO?** The same deadlines apply in reverse: a carrier accepts your transfer only before its blackout date, with or without a release from your current upline. Start with the [contracting application](https://topflightagent-demo-v2.pages.dev/contracting) and tell us which carriers you hold; the Care Team checks each deadline below against your list.

Sources: Topflight release policy; AEP 2027 deadlines from Spark Advisors, confirmed June 30, 2026; ACA blackout periods from BenaVest. The Avmed ACA row has not been confirmed since November 2024; verify with BenaVest before relying on it.

Frequently asked

## Questions agents ask about Releases & Transfers

**When can I request a release from Topflight?**

**How long does a release take?**

**What is the difference between a transfer with and without release?**

**Which carriers have no blackout date?**

Last updated: June 30, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.