Humana Walmart/Sam's Club partner to place independent Medicare agents in retail store locations during the Annual Enrollment Period (AEP), which runs October 1 – December 7. Agents staff a table in-store, engage customers about their Medicare options, and conduct enrollment appointments on-site.

Several meaningful changes have been made to the program this year based on feedback from prior seasons.

New flat-fee cost structure

The per-enrollment fee model has been replaced with a flat fee based on store performance tier (A, B, or C). This eliminates the risk of large, variable invoices after AEP and better aligns costs with the opportunity at each location. Specific pricing by tier will be shared when the store list is released.

Reduced weekly hour requirement

The minimum weekly presence has been reduced from 30 hours to 20 hours per week, providing more flexibility — particularly for high-volume stores where multiple agents may be sharing coverage.

Mandatory Sunfire enrollment reporting

All enrollments must be processed through the Walmart-specific Sunfire retail instance — separate from an agent's standard Sunfire account. Humana/IFG is investing in training resources to support agents on this, including live walkthroughs, playbooks, and ongoing support sessions.

Improved store selection process

Store assignments now consider past agent performance and agency growth scorecards in addition to submission timing, ensuring a more strategic allocation of locations.

The program runs three bidding rounds. Stores are not auctioned — they are awarded on a first-come, first-served basis in Rounds 2 and 3. Spark has not received final dates for Open Bidding, these dates are estimates and subject to change.

Available store locations will be provided to your upline

Key Dates and Milestones

The dates outlined below are intended to assist with advance planning and may be adjusted as needed. Please note that several program materials are still undergoing final review and approval. Additional information and finalized resources will be distributed as they become available.

Once a location is awarded, agents complete the following before AEP begins:

Agents staff their assigned location, conduct enrollment appointments, and report all activity through their Walmart Sunfire account. Spark monitors participation and serves as the point of contact for any program issues.

Agents who fulfill AEP location requirements are eligible to extend their store through the Open Enrollment Period (OEP) and the rest of the year. A separate bidding round is held for OEP.

Each agent assigned to a location must:

Important: The program enforces a zero-tolerance policy for rule violations. Please ensure your agents are fully briefed on program expectations before committing to a location.

The prior per-enrollment fee model ($100/enrollment, $1,500 minimum) has been discontinued for AEP 2027.

The program uses a "more sales, less expensive" model — but this applies within your tier, not across tiers. Each tier has its own fee scale tied to that tier's performance benchmarks. An individual store's tier is based on prior program performance — historically high-performing locations will have a higher minimum but a lower per-application cost. There are no longer per-enrollment or renewal fees.

Within your tier:

- Hit the minimum threshold — pay the base rate for your tier

- Hit the target — pay a reduced rate

- Exceed the target — pay the lowest rate for your tier

Enrollment goals and fee amounts are not yet finalized and may be subject to slight change.

Please reach out to your upline agency with questions concerning participating in the Walmart program this year.