Health insurance for realtors.
Brokerages rarely offer coverage, and marketplace subsidies are hard to size against commission income. An advisor can walk you through both paths honestly.
- Pre-existing conditions covered
- Enroll any day of the year
- A licensed advisor, no pressure
- No cost to talk it through
Step 1 of 5
Let's find your coverage
Start with your state.
Plans from nationally recognized carriers
Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.
What a private PPO can do that most plans can't.
Pre-existing conditions covered
An advisor tells you straight which plans will take your health history.
Enroll any day of the year
No six-week window. Coverage can start when you need it to.
Broad nationwide PPO networks
Keep your own doctor in most cases and stay covered across state lines.
Never sold to third parties
Your details stay with us and are never resold.
What usually goes wrong
Commission-based income, 1099 status, no group plan. Most people in your situation land on the marketplace, see an unsubsidized bronze premium around $750 a month with a deductible north of $5,000, and conclude that health coverage simply isn't affordable. That conclusion is often wrong — it's just that nobody showed you the other shelf.
Private PPO plans sit outside the marketplace. They're medically underwritten, which means not everyone is approved, and they aren't subsidized. What they offer in exchange is a materially lower premium, a broad nationwide network, and no enrollment window to wait for.
What a private PPO gives you
- Pre-existing conditions covered
- Enroll any day of the year — no six-week window
- Broad nationwide PPO networks
- Keep your own doctor in most cases
- Your details are never sold to third parties
And the honest caveat: if you qualify for Medicaid or a significant ACA subsidy, that will beat this. Your advisor will say so rather than sell around it.
Three things realtors should check first.
- 01
Commission income
Closings land unevenly. Estimate income conservatively if you're weighing a marketplace subsidy.
- 02
Brokerage benefits
Most agents are independent contractors, so brokerage group plans are rare. Check before assuming you're covered.
- 03
Doctors near your market
You're on the road across your area all day. A broad network means care near wherever the showing is.
Straight answers for realtors.
Does my brokerage or association offer coverage?
Some associations offer access to plans, but they aren't always the best value. It's worth comparing them against individual options.
What if my income drops in a slow year?
A lower year can change marketplace subsidy eligibility. Revisit the comparison when your income picture shifts.
Can I start coverage mid-year?
Yes, with a private plan. You don't need to wait for open enrollment.
Three steps, and you're never locked in.
- 01
Tell us the basics
State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.
- 02
A licensed advisor reaches out
Real options, real costs and the honest trade-offs, in plain English.
- 03
You decide
Enroll if it fits, or don't. No cost to talk and no obligation at any point.
See what you actually qualify for.
Four questions, a licensed advisor, a straight answer. No cost, no obligation, no pressure.
Secure & private. By submitting you agree to be contacted by a licensed advisor.
Year-round enrollment
Private PPO plans are not tied to open enrollment.
Never sold
Your details are not passed to a lead list.
256-bit SSL encrypted
Your details are protected from the first click.
No cost, no obligation
Talking it through is free. You decide.
Step 1 of 5
Let's find your coverage