For independent real estate agents · 1099 & commission income
Health coverage built for realtors — not another spam text.
Your brokerage doesn't cover you. NAR doesn't have a real group plan. And the 27 texts a day offering coverage "as a Realtor" are marketers working off license lists. Here's the honest version: a licensed advisor who reviews what you actually pay and what your income actually supports.
How it works
No 45-minute sales pitch. A short review of your situation, then a straight answer — even if the answer is "keep the plan you have."
Tell us your situation
Two minutes: where you are in your real estate career, what coverage you have now, and roughly how your income arrives.
Get a real review
Brandon compares what you pay today against what's actually available for your income structure — marketplace, S-corp/group routes, HSA strategies.
Decide with clear numbers
You get the options, the trade-offs, and the honest state-by-state limitations. Enroll if it makes sense. Walk away if it doesn't.
Built for how realtors actually get paid
Generic 1099 advice doesn't fit commission income. Closings are lumpy, checks land 30–90 days later, and one big quarter can wreck a subsidy estimate. This is the coverage conversation tuned to that reality.
Just went independent
You left a W-2 job and lost the benefits packet with it. You have a 60-day Special Enrollment window — most new agents don't know that until it's almost gone. We'll walk you through COBRA vs. marketplace before the clock runs out.
Veteran agent, same old plan
You've been on the same marketplace plan for years out of inertia, paying premium prices for mediocre coverage. At a stable income there are structures nobody told you about — S-corp and PEO group access, HSA-first designs. That's exactly what the review looks at.
Bare-bones by necessity
Thin cash flow in years one to three is real. The question isn't "cheapest premium" — it's "what out-of-pocket maximum could you actually survive?" We'll help you find the version of protected that your cash flow can carry.
Get your free Realtor Coverage Review
Answer a few questions and get matched for a free 15-minute review with a licensed advisor. No obligation, no spam list, no 27th text of the day.
Step 1 of 4
Which best describes you?
What coverage do you have right now?
What's your ZIP code?
Plan availability and networks vary a lot by state — this keeps the review honest about what's actually offered where you live.
Where should we send your review details?
By submitting, you agree to be contacted by Coverage with Brandon about your review — by a real person, not an automated text blast. See our privacy policy.
You're matched. Let's lock in your review.
Brandon Rapose, licensed health insurance advisor (NPN 21172816), will handle your review personally. Grab a time now — it's 15 minutes and free.
Book My 15-Minute ReviewPrefer to browse first? Visit coveragewithbrandon.com or start with the realtor coverage guides.
Why trust this and not the texts?
A real name and license
This site is run by Brandon Rapose, a licensed health insurance advisor (NPN 21172816) — verifiable, accountable, and the same person you'd talk to on the review call. Meet Brandon.
Transparent about NAR
NAR does not offer members a real group health plan — and unlike the marketers implying otherwise, we say that out loud. What you'll get here is what actually exists, including the limitations.
Inbound only, always
We never buy license-lookup lists, never cold-text, never cold-call. You found this site because you went looking — that's the only way we start a conversation.
Start with the guides
Written and maintained by a licensed advisor — the answers realtors currently have to crowdsource from Reddit strangers.
Where Do Realtors Get Health Insurance?
NAR vs. your brokerage vs. doing it yourself — what actually exists, and what the "as a Realtor you qualify" texts really are.
Read the guide →Health Insurance for New Real Estate Agents
Your first 60 days off employer coverage: the Special Enrollment Period, COBRA vs. marketplace, and estimating income you haven't earned yet.
Read the guide →S-Corp & PEO Health Insurance for Realtors
When your income stabilizes, better structures open up — the group-access routes most agents never hear about.
Read the guide →See all guides → including ACA Subsidies on Commission Income: Avoiding the Clawback.
Frequently asked questions
Does NAR offer health insurance to realtors?
No. The National Association of REALTORS® does not offer a true group health plan to members. Most of the "as a Realtor you qualify" insurance offers agents receive by text or email come from private marketers working off public license-lookup lists — they are not NAR programs. Realtors generally get coverage the same way other self-employed people do: through the ACA marketplace, a spouse's employer plan, or alternative structures like S-corp and PEO group access.
Can I get health insurance through my brokerage?
Usually not. Most real estate agents are independent contractors (1099), not employees of their brokerage, so the brokerage has no obligation — and typically no mechanism — to offer group health benefits. A small number of brokerages offer association-style plans, but the large majority of agents have to arrange their own coverage.
I just left a W-2 job to sell real estate. How long do I have to get coverage?
Losing employer coverage triggers a Special Enrollment Period: you generally have 60 days from the date your employer coverage ends to enroll in an ACA marketplace plan. You can also elect COBRA to continue your old employer plan, but compare the full COBRA premium against marketplace options before defaulting to it.
How do ACA subsidies work when my income is all commission?
Marketplace subsidies are based on your estimated annual income, and the estimate is reconciled on your tax return. Because commission income is lumpy and often arrives 30–90 days after a closing, realtors are more exposed than most 1099 workers to under-estimating income and having to repay part of the subsidy. Estimating conservatively and updating your marketplace estimate mid-year when a big closing lands helps manage that risk.
What does a coverage review cost?
Nothing. The Realtor Coverage Review is a free 15-minute call where a licensed advisor looks at what you currently pay, how your income is structured, and whether better options exist for your situation. There is no obligation to enroll in anything.
Is this site affiliated with NAR?
No. Health Coverage for Realtors is operated by Coverage with Brandon, an independent licensed advisor, and has no affiliation with the National Association of REALTORS®. We say that plainly because this category is full of marketers implying a NAR connection that doesn't exist.