Real estate agent showing a home to a young expecting couple

For real estate agents & brokers · Licensed in 30+ states

Health insurance
for real estate agents.

Health coverage for you and your family when you are paid by commission. This page is about your own health plan, not E&O or business insurance.

Private & Secure
Fast Response
No Spam Calls

Sound familiar?

Big months. Slow months.
No plan from your broker.

Selling homes can pay well, but the checks don't come on a schedule. Three common questions about coverage for real estate agents:

My income swings from closing to closing.

The Bureau of Labor Statistics says most agents are paid by commission, and some go weeks or months without a sale. Marketplace tax credits use your best guess of this year's income, not last year's. If a big deal closes, you can update it.

My brokerage doesn't offer health insurance.

You are not alone. In the National Association of REALTORS® 2026 Member Profile, only 4% of members said they got health insurance through their firm. About half (48%) paid for it themselves, and 27% got it through a spouse, partner, or family member.

I get a 1099, not a W-2.

The IRS treats licensed agents as self-employed for federal taxes when almost all of their pay is tied to sales, not hours, and a written contract says they are not employees. So you usually pick your own plan, and your premiums may be deductible. Ask a tax pro what applies to you.

Real estate agent talking with a family holding a baby in a home's kitchen

Real estate by the numbers

Paid by the deal,
covered on your own.

Job data from the U.S. Bureau of Labor Statistics, plus Census and Realtor survey data.

$52,830

was the median yearly pay for real estate sales agents in May 2025. For brokers, it was $73,220.

54%

of real estate sales agents are self-employed. For brokers, it is 55%.

of REALTORS® said they got health insurance through their firm, in NAR's 2026 Member Profile.

62%

of Realtors with 2 years or less in the business made under $10,000 in 2024.

103,086

real estate agent and broker businesses with no paid employees were in Florida in 2024. That is about 1 in 8 in the U.S.

6,278

of those were in Orange County, Florida, in 2024.

Sources: BLS Occupational Outlook Handbook, real estate brokers and sales agents (May 2025 pay; self-employment share); NAR 2026 Member Profile (June 2026, Exhibit 4-5; copy posted by the Long Island Board of REALTORS®); NAR 2025 Member Profile highlights (2024 income); Census Nonemployer Statistics 2024 (offices of real estate agents and brokers). Pay numbers are national. Your price for a plan depends on your age, zip code, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed help for
commission-paid agents.

Daniels Health Advisors is an independent agency from Central Florida, and Paul is licensed in 30+ states. We help agents and brokers pick health plans for themselves and their families. First we see if Marketplace tax credits can lower your cost. Had a big year? We can also show private PPO options for the self-employed. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Your real estate license is your business. Your health plan protects you and the people at home. We check your doctors and walk you through each choice.

Straight answers between showings, no pressure
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

How it works

Three steps, one short call.

Tell us about your household

Share ages, your zip code, and a full-year income guess that counts slow months and big closings.

We look for help with the cost

We check tax credits first. If you want an HSA, we show plans that work with one.

Compare and pick

See plans side by side, with your doctors checked. You choose.

Book a 15-minute call

Free · No obligation · About 15 minutes

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

What you get

Coverage that keeps up
with your closings.

A low income guess in a slow year can mean a tax bill if sales pick up. As of October 1, 2026, under current law, there is no cap on that payback, starting with 2026 taxes. And a plan without your doctor is hard to use. After our call, you will have:

An income guess that fits a commission year
Tax credit, HSA, and private PPO choices compared
Your doctors looked up in each plan
Open enrollment and other key dates marked

Straight answers

Real estate agent health insurance questions.

How do I guess my income when I'm paid by commission?

Use your expected net income for the whole year. For self-employed agents, that is roughly your commissions minus business costs. Report changes to the Marketplace during the year, like a big closing. If your real income ends up higher, you may have to pay back some tax credit. As of October 1, 2026, under current law, there is no cap on that payback, starting with 2026 taxes.

Can I get a tax credit with commission income?

Maybe. As of October 1, 2026, the extra tax credit help of past years has ended. Under current law, Marketplace tax credits are generally for household incomes from 100% to 400% of the poverty line. For 2027 plans, 400% is about $63,840 for one person or $132,000 for a family of 4, based on the 2026 poverty guidelines. If you or your spouse can get a job-based plan, you usually can't get the credit.

Can I deduct my premiums?

Possibly. Self-employed agents with a profit may be able to deduct health premiums using IRS Form 7206. The IRS doesn't allow it for months when you could join a job plan your employer or your spouse's employer helps pay for. A tax pro can tell you what applies.

Does an HSA make sense for an agent?

It can, if you want a lower-premium plan and can save for costs. As of October 1, 2026, under current law, bronze and catastrophic plans work with a health savings account (HSA), starting in 2026. For 2027, you can put in up to $4,500 for one person or $9,000 for a family. A tax pro can tell you how an HSA fits your taxes.

Does this cover my brokerage or E&O?

No. This page is about personal and family health insurance. Errors and omissions (E&O) and business insurance are separate. Talk with a business insurance agent about them.

I'm leaving a salaried job to sell full time. Do I have to wait?

Usually you don't. When a job plan ends, you often get a special window to pick a new plan. Open enrollment for 2027 coverage is Nov 1, 2026 to Jan 15, 2027.

Who do you help?

Real estate agents, brokers, and their families, from new agents to team leaders. Turning 65 or already on Medicare? We help with Medicare too.

Licensed in 30+ states

Get covered before
your next closing.

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

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health 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 errors and omissions (E&O) or business insurance. Job, pay, and business numbers are from public 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 real estate agents.

Big months. Slow months.No plan from your broker.

Paid by the deal,covered on your own.

Licensed help forcommission-paid agents.