Health insurance for realtors: how to shop without an employer plan.

The realtor coverage problem

Most real estate agents don't get employer-sponsored health insurance. As a 1099 contractor, the responsibility — and the cost — lands on you. The good news: there are more options than the ACA Marketplace.

Your main options

1. Private major-medical

Year-round individual coverage from private carriers. Often available outside ACA open enrollment, with flexibility on networks and deductibles.

2. ACA Marketplace (with subsidies)

If your household income qualifies, premium tax credits can dramatically reduce monthly cost. Always compare this against private alternatives.

3. Short-term medical

Lower-cost temporary coverage for healthy agents bridging gaps — between brokerages, seasons, or open enrollment windows.

4. Supplemental layers

Accident, critical illness, and hospital indemnity plans pay cash benefits on top of your primary coverage.

What to look for as a realtor

• Premiums that match your slowest months, not your best.
• Networks that include doctors you'd keep through a move.
• Honest comparison between ACA and private — not just a sales pitch.