Health insurance is one of the biggest challenges for real estate agents, but it's often ignored. Most agents work as independent contractors, which means finding the right health plan is their responsibility. In this guide, we'll go over all the health insurance options available to real estate agents and Realtors, and introduce you to a new, more affordable solution: health share programs.

Why Health Insurance Is Important for Real Estate Agents

Being uninsured is risky. Without health insurance, even a small medical issue can lead to massive bills and financial stress. For real estate agents, whose income can be unpredictable, having good health insurance is crucial for peace of mind and financial stability.

Traditional Health Insurance Options

Affordable Care Act (ACA) Marketplace Plans

ACA plans are a popular choice because they are accessible and can come with government subsidies to help lower costs. However, without those subsidies, premiums can be very expensive, and the options might be limited depending on your income.

Association Group Insurance Plans

The National Association of REALTORS® (NAR) offers group insurance plans, like health, dental, and vision, through REALTORS® Insurance Place. These plans come with exclusive benefits for members, but availability can vary based on your state and eligibility.

Brokerage-Sponsored Health Insurance Plans

Some brokerages, like Coldwell Banker or REMAX, offer health insurance for their agents. If your brokerage provides coverage, it can be convenient, but not all brokerages offer this benefit, and the options might be limited.

Private Market Insurance Plans

You can also buy health insurance from the private market. This gives you more control over the type of plan you choose, but it usually costs more, and there are no government subsidies to help with the cost.

New and Alternative Health Insurance Solutions

Healthcare Crowdfunding (CrowdHealth)

CrowdHealth is an alternative where members share healthcare costs through a crowdfunding model. It can be more affordable than traditional insurance, but it’s not the right fit for everyone.

Preventative Care Memberships (Mira)

Mira offers a membership for routine healthcare needs, like checkups and lab tests, at a lower cost. It’s a good option for regular care but doesn’t cover major medical events.

Health Share Programs

Health share programs are becoming a popular option because they are affordable and community-focused. Instead of paying insurance premiums, members contribute to a pool that covers each other’s medical costs. Let’s dive deeper into the new health share program specifically designed for real estate agents and Realtors.

Introducing the New Real Estate Health Share Program

What Is a Health Share Program?

A health share program is a community-based approach to healthcare. Members contribute money each month, and those funds are used to cover major medical expenses for others in the group. It’s not insurance, but it works similarly, with lower monthly costs.

Why It’s the Best Option for Real Estate Agents

Health share programs are great for agents and Realtors because they offer lower costs compared to traditional insurance. They also provide flexibility, which is perfect for independent contractors. Plus, NAR members get a 10% discount on the new Agent Health Share program, making it even more affordable.

Key Benefits of Agent Health Share

- Affordable Monthly Contributions: Plans start at \$175 per month for singles and go up to \$1,100 for families.

- Broad Network: Access to a wide range of healthcare providers.

- Preventative and Mental Health Support: Includes discounted routine care and mental health resources.

- Community Support: Members help each other, creating a supportive environment.

- Cost Savings: Members can save 30-50% compared to traditional insurance premiums.

How to Join the Waitlist

The new health share program for real estate agents and Realtors is launching soon. You can join the waitlist now to secure early access and take advantage of exclusive benefits, including the 10% discount for NAR members.

Real estate agents and Realtors have several health insurance options, but traditional plans can be expensive and complicated. Health share programs offer a more affordable, flexible solution. Join the waitlist today and take control of your health coverage in an affordable, supportive way.