Health insurance for real estate
Group benefits for brokerages, property managers, and 1099 agents.
Schedule a Consultation
1099
Agents covered through individual and marketplace plans
50 states
Licensed and quoting nationwide
$0
Broker fees — carriers pay us, never you
Why real estate is different
Real estate runs on independent contractors. Most agents are 1099, which means brokerages historically could not offer them a group health plan — even though access to affordable coverage is one of the biggest reasons agents affiliate, stay, or leave.
We solve this two ways. For the W-2 staff — office managers, coordinators, property management teams — we build traditional group plans. For the agents, we set up individual and family coverage that captures marketplace tax credits against commission income, so the brokerage becomes the place where agents actually get insured.
We understand your challenges
- Most agents are 1099 and cannot join a traditional group plan
- Commission income makes subsidy and budget planning difficult
- Agents churn to brokerages that help with benefits
- W-2 office staff expect coverage agents cannot get
- Coverage gaps during slow quarters or between transactions
How we help
- A benefits story for recruiting agents without misclassifying them
- Individual and family plans optimized for commission income
- Group coverage for salaried office and property staff
- Portable coverage agents keep even if they change brokerages
- One advisor for the principal, the staff, and the agents
What we put in place
Group plans for W-2 staff
Medical, dental, and vision for office and property management employees — the retention tool your operations team has been asking for.
Agent coverage programs
A turnkey way to help 1099 agents enroll in individual plans with tax credits, positioned as a brokerage benefit without classification risk.
Commission-income tax credit strategy
Marketplace subsidies are calculated on annual income — we help agents estimate variable commission income correctly so they do not overpay or owe at tax time.
Family and spouse coverage
Plans that cover the whole household, since most agents are the family's source of insurance.
Who we help in real estate
- Independent brokerages and franchise offices
- Property management and leasing companies
- Commercial real estate firms
- Title, escrow, and transaction coordination teams
- Solo agents and teams buying their own coverage
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
Can 1099 agents join a brokerage group plan?+
No — group eligibility requires W-2 employees, and including contractors creates misclassification risk. The right structure is group coverage for staff plus a guided individual enrollment program for agents, which we set up and run for you.
How do agents qualify for premium tax credits with variable income?+
Subsidies are based on projected annual household income. We help agents estimate conservatively, report changes mid-year, and reconcile at tax time so they keep the credit without surprises.
Can we contribute toward agent premiums?+
Yes, carefully. Some brokerages offer a fixed monthly stipend agents apply to their own individual plan. We help structure it so it supports recruiting without creating an employer plan compliance issue.
What happens to an agent's coverage if they switch brokerages?+
Nothing — that is the point. Individual plans belong to the agent, so their coverage is fully portable no matter where they hang their license.
Are dental and vision available?+
Yes. They can be bundled into a group plan for staff or added to individual agent coverage at favorable rates.
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