Agent explaining a document to a couple at a table

For 1099 agents & independent producers · Licensed in 30+ U.S. states

Health insurance
for insurance agents.

You sell coverage all day. If you are a 1099 agent or run your own agency, your own health plan still needs a careful look.

Private & Secure
Fast Response
No Spam Calls

At the kitchen table

Commission checks.
Chargebacks. Renewals.

Agent pay can rise and fall fast. Three questions agents ask us:

My commissions swing a lot.

New business, renewals, and chargebacks can move your income. Make a careful full-year guess, and update it if things change.

My agency calls me a contractor.

If you get a 1099, you are likely self-employed. That usually means no job-based plan, so you choose your own.

I know health plans, but I sell other lines.

P&C and life agents may not keep up with health plan rules. We focus on health plans and can walk you through the options.

Agent going over paperwork with a client on a couch

How agent income works

New business, renewals, and chargebacks.

The Marketplace bases tax credits on your household income for the year you are covered.

First-year commissions are often much bigger than renewals. A strong year can be followed by a lighter one.
Chargebacks can claw back pay if a policy cancels early. Plan for that in your guess.
Leads, licenses, E&O coverage, and travel can count as business costs and lower your net profit.

Agents in numbers

Many agents
work on their own.

67,500

U.S. insurance sales agents counted as self-employed in 2025.

12%

is the self-employed slice of insurance sales agents (2025).

71,500

Projected self-employed insurance sales agents in 2035.

Source: BLS Employment Projections, self-employed workers by occupation (2025 and projected 2035). Group figures only.

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

A health broker
for fellow agents.

Daniels Health Advisors is Paul Daniels' independent brokerage, licensed in 30+ U.S. states. Life, P&C, and annuity agents call us when their own health plan needs a second look. We compare Marketplace plans first, where tax credits may apply, and add private PPO options when commissions are strong. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Daniels Health Advisors is an independent brokerage. For agents and their families, we compare personal and family plans, starting with the Marketplace, where tax credits may apply.

Straight answers, agent to agent
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

Your first call

Insurance agent coverage in three steps.

Walk us through your book

New business, renewals, chargebacks, and costs like leads and E&O.

We project your net

We turn your commission pattern into a yearly figure.

Weigh the options

Compare agency, spouse, and personal plans side by side.

Book a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

Before your next appointment

Coverage you would
show a client.

A strong first-year run can raise your income past your estimate, and that can trigger a payback. Under current law, starting with 2026 taxes, there is no cap on that payback. A plan without your doctors is a hard sell. Expect to leave with:

A commission-aware income figure
Agency plan affordability checked
Your doctors checked by network
Renewal dates set before your busy season

A checklist for

Agents leaving a captive role.

Ending a captive contract can end its plan. Ask the date, then plan your sign-up.
Track chargebacks so you do not overstate income.
If you open an agency and hire, ask us about group plans later.
Keep license and E&O costs in your business records.

Agent questions

Insurance agent health insurance FAQ.

Can I sell myself a plan?

Rules vary by carrier, state, and, for Marketplace plans, CMS. Many agents still like a second set of eyes. We are happy to compare plans for you.

My agency offers a plan, but it costs a lot. What now?

If the agency plan counts as affordable, you may not get Marketplace tax credits. We can compare both and show the full cost.

Do my renewals count as income?

Yes. Renewal commissions count toward your income for the year. Business costs, like licenses and leads, can lower your net profit.

I am newly licensed with no book yet. What should I guess?

Start with a careful, low first-year number. New agents often have uneven early months. Update your estimate as policies stick.

Can I write off my health insurance?

Maybe. If you are self-employed and your business makes a profit, your premiums may be deductible on IRS Form 7206. You can't take it for any month you could get a subsidized job plan, including through a spouse. Ask your tax pro.

Do I have to wait for open enrollment?

For a private plan (not from the Marketplace), you can often apply any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 12, 2026, under current law, open enrollment for 2027 Marketplace coverage runs from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a qualifying life event, like losing job-based coverage, or another special enrollment period.

Get your own
coverage sorted.

Book a free 15-minute call between appointments, or start a quote online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page is about personal and family health insurance. It is not business liability or workers' comp insurance. We are not part of any union or trade group. Job and pay numbers are from public government data and describe groups of workers, not you. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Health insurancefor insurance agents.

Commission checks.Chargebacks. Renewals.