Healthcare remains one of the biggest challenges for real estate agents. As independent contractors, most agents don’t have access to traditional employer-sponsored plans. The good news?
There are solid options available, including programs tailored for REMAX affiliates, that can deliver better value than going it alone on the open market.
Why Healthcare Is Tough for Agents — and What Has Changed
According to past National Association of Realtors surveys, only a small percentage of agents get coverage through their brokerage. Costs have risen, but so have accessible solutions like group-style plans, association benefits, and flexible enrollment options.
Key tip: Shop during special enrollment windows or, where available, year-round options. Don’t wait for major life events if you can avoid gaps.
Top Healthcare Options for REMAX Agents
- REMAX-Affiliate Programs (Health Benefits by ABO) REMAX agents can explore the Health Benefits by ABO program, which provides access to national PPO plans (often through major carriers like Blue Cross Blue Shield), plus integrated dental and vision options. Enrollment is typically open the 1st–10th of each month, with coverage starting the following month.
- Potential perks: Lower deductibles, out-of-network flexibility in some areas, copays for ER visits, enhanced pharmacy coverage, and family options.
- How it works: Agents often need to handle a portion of their compensation through payroll processing to remain eligible (minimum hours/payroll requirements apply). Visit remaxhealthbenefits.com to review plans, compare rates, and enroll. Contact their help desk (833-700-0652) for details.
- Always verify current rates and networks for your location (Rhode Island or elsewhere).
- NAR REALTORS® Insurance Place As a REALTOR®, you have access to the National Association of REALTORS’ member benefits. This includes a private health insurance exchange with ACA-compliant plans, group dental, vision, and life insurance, as well as wellness tools such as telemedicine. Great for comparing multiple carriers side-by-side.
- ACA Marketplace / HealthCare.gov Plans
- Open Enrollment: Typically Nov 1 – Jan 15 for the following year.
- Special Enrollment Periods: Triggered by qualifying events (losing coverage, marriage, moving, etc.).
- Subsidies/premium tax credits can significantly lower costs if your income qualifies. Pair with an HSA-eligible high-deductible plan for tax advantages.
- Other Strong Options for Agents
- Private / Short-Term or Fixed Indemnity Plans: Useful bridges, but read exclusions carefully.
- Health Sharing Ministries: Non-insurance alternatives that can be more affordable for healthy families.
- Spouse/Partner Plans or COBRA: If applicable.
- Small Group or ICHRA/QSEHRA: If you have W-2 employees or a team, these options allow brokerages to reimburse premiums tax-efficiently.
Pro Tip for 2026: Compare networks carefully (especially in Rhode Island and nearby states), review prescription coverage, and factor in total out-of-pocket maximums, not just premiums.
Additional Benefits Often Available to REMAX Agents
Many programs bundle or offer:
- Dental & Vision (guaranteed issue in some cases)
- Life/AD&D Insurance
- Employee Assistance Programs (EAP) for mental health
- Flexible Spending Accounts (FSA)
Why Join a Supportive REMAX Office?
At our five Northern Rhode Island REMAX offices, we focus on providing the tools, mentorship, and resources agents need to succeed, including guidance on benefits such as health insurance. You’ll get a personalized website, marketing support, full-time admin help, and a collaborative team environment. Plus, the REMAX brand is one of the most recognized in real estate.
Agents often tell us they feel at home here and appreciate the transparency around business decisions, such as benefits.
Ready to Explore Your Options?
Healthcare doesn’t have to be overwhelming. Start by:
- Visiting remaxhealthbenefits.com (if eligible as a REMAX affiliate)
- Checking the NAR REALTORS® Insurance Place
- Getting personalized quotes through HealthCare.gov or an independent broker
Contact Me Today
If you’re considering a move to REMAX or want to chat confidentially about career growth and support in Northern Rhode Island, contact me today. We can discuss how our offices can help you build a stronger, more sustainable business.
