Private health coverage
Year-round private coverage, designed around your business.
For real estate professionals who don't get a W-2 paycheck — and shouldn't have to settle for a one-size-fits-all plan.
Private major-medical coverage is the go-to year-round option for many self-employed real estate professionals. Independent licensed agents in our network shop multiple carriers, walk you through deductibles, network type (PPO/HMO/EPO), and prescription tiers, and explain — honestly — when an ACA Marketplace plan with a subsidy may be a better fit than private.
Major-medical protection
Hospitalization, surgeries, and ongoing care.
Doctor & network options
PPO, HMO, or EPO depending on your priorities.
Premium vs. deductible balance
Match cash flow with realistic monthly cost.
Year-round enrollment paths
Not limited to Marketplace open enrollment in many cases.
What to consider
- Networks differ — confirm your preferred doctors are in-network before enrolling.
- Pre-existing conditions are handled differently across plan types; an ACA plan may be more appropriate in some cases.
- Commission income can affect premium tax credit eligibility — your agent can help estimate that.
Questions agents ask
Is private health insurance better than the ACA Marketplace?+
It depends on your income, household, and what coverage you need. A licensed agent will compare both honestly so you can choose.
Can I enroll outside of open enrollment?+
Many private plans accept year-round enrollment. ACA plans typically require a qualifying life event outside of open enrollment.
Will my pre-existing condition be covered?+
ACA-compliant plans cannot deny coverage for pre-existing conditions. Short-term and some private plans may; your agent will be straightforward about what each plan covers.
Plan availability and benefits vary by state, carrier, and underwriting. KeyHolder Health is a private insurance marketing and referral service — not affiliated with or endorsed by the U.S. government, Medicare, healthcare.gov, or any state agency.
Get matched with a licensed agent today
A short quiz, no obligations, and no Marketplace runaround.
This is a solicitation for insurance.