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Health · For Real Estate Pros

Health insurance for the people who close deals.

ACA marketplace and group plans built for residential agents, commercial brokers, and mortgage teams. Commission-friendly, 1099-aware, and quoted in two minutes.

Get Free QuoteHow it works
Real estate agent in front of a sold home
Agents covered from
CompassKeller WilliamsColdwell BankereXp RealtyRe/MaxSotheby'sCentury 21Berkshire Hathaway
— stat
47,000+
Agents covered through ACA plans
— stat
$4,800
Average annual subsidy for self-employed realtors
— stat
24 hr
Reply from a real human advisor
/ section · coverage

Real estate pros we cover.

Pick the page that matches your situation. Every plan is filterable by carrier, network, and commission-friendly subsidy estimates.

Residential Agents

First-time-buyer pros and seasoned listing agents.

Commercial Agents

Office, retail, and industrial brokerage.

Mortgage Brokers

Independent lenders and broker shops.

Real Estate Teams

Group plans for small, growing teams.

Brokerage Owners

Group coverage for your sponsored agents.

/ section · what's covered

What's covered in every plan we recommend.

Filter by carrier, network, and deductible →

Primary care & specialists

In-network visits, referrals, annual physicals.

Preventive screenings

Annual checkups and labs covered at 100%.

Prescription coverage

Generic and brand-name tiers across major carriers.

Vision add-ons

Exams, lenses, frames — bundled or standalone.

Dental options

Cleanings, fillings, major work for the whole family.

Mental health

Therapy and psychiatric care as an essential benefit.

/ section · challenges

Realtor health challenges, addressed.

Commission income confuses ACA subsidies

We model your projected AGI honestly so subsidies match real income.

All day in the car between showings

Filter for plans with strong chiropractic and physical-therapy coverage.

24/7 client calls equal real burnout

Every plan includes mental health and therapy as essential benefits.

Self-employed deductions you might miss

Premiums become a Schedule C adjustment that lowers your AGI directly.

/ section · compare

ACA marketplace vs. brokerage group plan.

Both paths fit different shapes of real-estate business. Here's the cheat-sheet before you talk to an advisor.

Attribute
Individual ACA
Brokerage Group
Best for
Solo 1099 agents
Teams of 2+ agents
Monthly cost
$0–450 after subsidy
$200–600 / agent
Subsidy eligible
Yes — income-based
No — flat group rate
Network strength
Varies by carrier
Typically broader PPO
Schedule C deductible
Yes (self-employed)
Yes (brokerage)
Enrollment window
OEP + life events
Anytime
Not sure which fits? Our quote tool recommends the right path based on your team size & income.
/ section · process

Three steps to coverage.

Are you 1099 at a brokerage, a team lead, or running a shop? Two minutes of context calibrates the plan list.

Open Enrollment is here.
Most agents finish their quote in under two minutes.
Start your quote
/ section · stories

Stories from agents we've helped.

Tampa, FL

Jordan W.

Residential agent, Compass

"My income swings 40% from quarter to quarter. They modeled an honest projection — my ACA subsidy now matches reality instead of biting me at tax time."

San Diego, CA

Coastal Properties Team

6-agent team

"Setting up the small-group plan took less than a week. Network is stronger than what most of our agents had individually, and we deduct the contribution."

Atlanta, GA

Tasha N.

Mortgage broker

"I'm solo and self-employed. They found me an off-exchange plan with the chiropractor I actually see, and walked me through the Schedule C deduction."

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Step 1 of 5Who you are covering

Who are you searching for?

We'll tailor your options based on who needs coverage.

  • Licensed advisors in all 50 states
  • No SSN required to get a quote
  • Free service — no obligation to enroll
/ section · faqs

Realtor FAQs.

ACA subsidies are based on your projected annual household income. For realtors with commission-only pay, we help you estimate your AGI honestly — including expected deals and seasonal slow-downs — so your subsidy is accurate and you avoid surprises at tax time.

/ section · resources

Resources for realtors.

Real Estate Agent Health Insurance: The Complete 2025 Guide

Plan types, subsidies, and enrollment timing for 1099 agents.

Read guide

Schedule C Deductions for Self-Employed Realtors

Premiums, HSA contributions, and the self-employed-health adjustment.

Read guide

Brokerage Group Health Plans: When They Make Sense

The break-even math on group vs. individual for teams of 2–15.

Read guide