Health Insurance for Real Estate Agents
Real estate agents are almost always independent contractors, not employees — no brokerage benefits, and income that can swing seasonally with the market. That combination makes a fixed-premium private PPO plan appealing versus a subsidy that has to reconcile against unpredictable commission income.
We regularly work with agents comparing a private plan against their state's Marketplace, especially in the months right after getting licensed when income is hardest to predict.
Why clients choose this option
- Fixed premium regardless of commission swings month to month
- No brokerage or franchise benefits required
- Broad PPO access for agents who show property across county or state lines
- Self-employed health insurance premium deduction may apply — confirm with your CPA
Frequently Asked Questions
We'd recommend against it — a gap in coverage is a bigger financial risk than the premium, and a fixed-premium private plan sidesteps the income-estimation problem Marketplace subsidies create for new agents.
Most brokerages don't, since agents are independent contractors — but if yours does, we're happy to compare it against private options.