Health Insurance for Real Estate Agents
Most real estate agents work as independent contractors, so their brokerage usually doesn't provide health coverage. We help real estate agents, brokers and team leads compare health insurance for themselves, their families and their teams.
We'll help you compare coverage that works with commission-based income and a schedule built around clients, closings, listings and showings.
Free, brief and no-pressure consultations.
Why Health Insurance Is Different for Real Estate Agents
Working on commission and operating as an independent contractor can make choosing health insurance feel different from having coverage through a traditional employer.
Commission Income Can Be Uneven
A strong quarter can be followed by a slow one. That can make it harder to budget for monthly premiums and estimate yearly income for Marketplace premium tax credits.
Your Brokerage Usually Isn't Your Employer
Many real estate professionals work as independent contractors, which generally means you're responsible for finding your own health coverage.
Your Schedule Belongs to Your Clients
Evenings, weekends, showings and closings across town can make it difficult to fit medical appointments or hours of insurance research into your day.
Your Business May Be Growing
If you lead a team or operate a brokerage, you may eventually need coverage options for employees or others working within your business.
Health Insurance and Coverage Options for Real Estate Agents
The right option depends on whether you're covering yourself, your family or a growing real estate business.
Individual and Family Health Insurance
Major medical plans may be available on and off the ACA Marketplace. Some real estate agents may qualify for premium tax credits based on estimated yearly household income. PPO, HMO and EPO network options vary by location.
Explore individual health insurance →Coverage for Your Team or Brokerage
Small business and hybrid health insurance options may give brokers, team leads and employees more flexibility than some traditional group arrangements. We'll help compare the options based on your team.
Explore small business health insurance →Leaving a W-2 Job for Real Estate
If you're moving from salaried employment into real estate, compare COBRA with individual coverage before deciding. Losing employer coverage may also give you a special enrollment opportunity.
Compare COBRA options →Virtual Care and Telemedicine
Telemedicine can let you speak with a medical provider by phone or video for certain health concerns without rearranging an entire day of listings and showings.
Learn about telemedicine →Supplemental Protection
Accident, critical illness, dental and vision coverage may help add protection in areas your primary health plan doesn't fully address.
Explore supplemental coverage →Life Insurance
Life insurance can help protect your family's income and financial obligations such as a mortgage, debts or business responsibilities if something happens to you.
Explore life insurance →What Real Estate Agents Should Look at When Comparing Plans
The cheapest monthly premium isn't always the best fit. Look at how the coverage works in your day-to-day life.
Networks Across Your Market
If you work across multiple cities or counties, make sure the provider network gives you practical access to care in the areas where you spend your time.
Your Deductible vs. Your Cash Cushion
A high-deductible plan may come with a lower premium, but make sure you could reasonably handle the deductible even during a slower stretch between closings.
Your Doctors and Prescriptions
Check whether the doctors important to you participate in the network and whether your regular medications are covered before enrolling.
Your Whole Household
If your spouse has access to employer coverage, compare the cost and benefits of joining that plan against purchasing separate individual or family coverage.
How It Works
You don't need to spend your evening comparing health plans. Start with a brief conversation.
Book a Free Consultation
Pick a time between showings or take a quick call from the car. If you have your ZIP code, budget, doctors or medications handy, great. If not, that's completely fine. We'll start with what you have.
Compare Your Options
We walk through plans available where you live, including monthly premiums, deductibles, provider networks, prescriptions and other important plan details.
Choose When You're Ready
There's no pressure to enroll during the consultation. If you find coverage that fits, we'll help with the application and stay available for questions after you're covered.
Frequently Asked Questions About Health Insurance for Real Estate Agents
Does my brokerage have to provide health insurance?
Many real estate agents work as independent contractors rather than employees, so their brokerage generally doesn't provide employer health coverage. Your exact situation depends on your working relationship and agreement with the brokerage.
My income comes from commissions. Can I still get help paying premiums?
Marketplace premium tax credits are generally based on your estimated household income for the full year rather than one individual month. If your income changes substantially, you can update your estimate. Premium tax credits are reconciled when you file your taxes.
Can I deduct health insurance premiums as a self-employed real estate agent?
Many self-employed people may be eligible to deduct health insurance premiums for themselves, a spouse and dependents. Eligibility depends on your circumstances, including business income and access to other employer-sponsored coverage. Different rules may apply to S corporations. Check with a qualified tax professional.
I'm leaving a salaried job to sell real estate. Should I keep COBRA?
COBRA lets you continue your previous employer coverage, but you may become responsible for the full premium. Losing employer coverage may also open a special enrollment period for individual health insurance. We can help you compare both options.
Can I get health insurance outside open enrollment?
Sometimes. Marketplace plans generally require open enrollment or a qualifying life event, such as losing other coverage. Other types of coverage may be available at different times of the year. We can review what's available to you now.
Are there contracts with health insurance?
Most health insurance plans are month to month rather than requiring a long-term contract. Cancellation rules and effective dates vary by plan, so we'll explain those details before you enroll.
Is there a cost for the consultation?
No. The consultation is free, brief and there is no pressure to enroll. We'll learn what you're looking for, answer your questions and help you understand the coverage options available to you.
What if I don't have all my information ready?
That's completely fine. If you know your ZIP code, approximate budget, who needs coverage, doctors, medications or desired start date, those details can help. If you don't have everything ready, we'll start with what you know and go from there.
Let's Find Health Coverage That Fits Your Real Estate Business
Schedule a free, brief, no-pressure consultation to see what health insurance options may be available where you live. You don't need to have everything figured out before we talk. We'll start with what you have.
This page is for general informational purposes only and is not tax or legal advice. Plan availability, eligibility, benefits and costs vary by plan and location. REALTOR® is a registered trademark of the National Association of REALTORS®.
