Real estate agent? You're 1099, your brokerage doesn't cover you — but you have better options than you think.
Most real estate agents are independent contractors with no employer benefits. That means the ACA marketplace is your primary option — and with commission income deductions, many agents qualify for significant subsidies. Your agent also warns you about the "Realtor health plan" spam calls everyone gets.
The things nobody tells you — until it costs you money.
As a 1099 independent contractor, your brokerage has no obligation to provide health benefits. The ACA marketplace exists specifically for this situation.
The moment you get your license, you start getting spam calls selling "Realtor-specific health plans." These are non-ACA plans with limited coverage. Your agent only recommends real, ACA-compliant plans.
As self-employed, you can deduct 100% of health insurance premiums on your taxes (Schedule 1). This makes your effective cost even lower than the sticker price.
Variable commission income makes it hard to estimate your annual AGI for subsidy purposes. Your agent helps you estimate accurately based on your recent closings.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
Very likely. Subsidies are based on net income (after business deductions). Commission minus expenses = your AGI. Many agents earning $60–$100K gross qualify once deductions are applied.
Almost never. These are typically non-ACA plans sold by aggressive brokers. They exclude pre-existing conditions, have coverage caps, and can deny claims. Ignore them. Your agent only recommends ACA-compliant plans.
Yes — 100% deductible on your taxes as a self-employed expense (Schedule 1). This is in addition to any marketplace subsidy you receive.
Sometimes. If your spouse's employer plan is cheap and has good coverage, it may be the best option. But if adding you is expensive ($400+/mo), a subsidized marketplace plan could be cheaper. Your agent compares both.
Association plans vary in quality and cost. Many are more expensive than subsidized marketplace plans. Your agent compares them against marketplace options to find the cheapest total cost.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702