Commission income, dependable coverage.
Private PPO health insurance for independent real estate agents and brokers — flexible plans for 1099 income.
- Flexible, year-round options
- Nationwide PPO access
- Plans matched to your income
- Free advisor guidance
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Real Estate
Health insurance for real estate agents
As an independent agent, your brokerage rarely covers health insurance. Private PPO plans give you flexible, nationwide coverage that fits commission-based income and lets you enroll year-round.
The Difference
Why a private PPO can be the smarter move
1099 Reality
- No brokerage benefits
- Uneven commission income
- Open-enrollment windows
- Limited HMO networks
Private PPO
- Flexible, year-round options
- Nationwide PPO access
- Plans matched to your income
- Free advisor guidance
For Commission Income
Plans designed around variable, 1099 earnings.
Statewide & Nationwide
Coverage that follows you across every listing and market.
Enroll Year-Round
Get covered when you need it — not just in winter.
Health insurance for realtors and real estate agents
Most real estate agents are independent contractors, which means health insurance is entirely on you — brokerages rarely provide it. Health insurance for realtors has to handle commission income that arrives in lumps rather than a steady paycheck, and it has to be coverage you keep no matter which brokerage you hang your license with. A private PPO plan fits both needs: it enrolls year-round, it is not tied to any broker, and it uses a broad nationwide network.
Do real estate agents get health insurance?
Usually not through the brokerage. As a 1099 contractor, you are responsible for your own coverage — which is why so many agents use an individual private PPO or a Marketplace plan. The upside of arranging it yourself is control: the plan is yours, it moves with you between brokerages, and you can enroll any time of year rather than waiting for an open-enrollment window.
- Brokerages rarely offer agents a group plan
- A private PPO is coverage you own and keep between brokerages
- Year-round enrollment fits a commission schedule
- Cover a spouse and children on the same plan
Coverage built for commission income
Commission income is uneven, and that is exactly why private PPO plans suit realtors. Eligibility depends on your age, location, and health rather than a fixed salary, so a strong month or a slow one does not change your coverage. And because you may be able to deduct your premiums as a self-employed business expense, the real cost is often lower than the sticker price — confirm the details with your tax professional.
How realtors should choose a plan
List the doctors and prescriptions you want to keep, think about how much care you expect in a year, and compare two or three plans on total cost rather than premium alone. A licensed advisor can pull realtor-friendly private PPO options for your ZIP code, confirm your providers are in-network, and weigh them against any Marketplace subsidy — free, with no obligation.
How Does Your Plan Compare?
Private PPO vs. a typical Marketplace plan
Examples shown for illustration only. Plans, pricing, and eligibility vary by state and individual circumstances.
Real Coverage, Real People
Built for real estate agents
Flexible private PPO coverage that fits how you live and work.
Realtor health insurance by state
See coverage details for real estate agents in your state:
FAQs
Frequently asked questions
Usually not through the brokerage — most agents are 1099 contractors responsible for their own coverage. Many use an individual private PPO plan, which enrolls year-round, is not tied to a broker, and moves with you between brokerages.
Yes. Private plans are well-suited to commission income because they aren't tied to a salary or employer.
No. You can get your own private plan independently of your brokerage.
Self-employed agents often can — confirm with your tax advisor. We'll handle finding the plan.
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