No deductible · No copays · No income test

Health Insurance for Realtors

Commission income does not arrive on a schedule. Three closings in March and nothing in June is a normal year, and it is exactly the pattern that makes a Marketplace subsidy estimate a guess you settle up on at tax time.

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Licensed agent at The Jordan Insurance Agency reviewing coverage options for realtors
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Why the phone rings

What happened to Marketplace coverage in 2026

114%
Average rise in premium payments for subsidised enrollees keeping the same plan
23.1M
Marketplace sign-ups, down by over a million — the sharpest drop since launch
$3,786
Average Marketplace deductible per person, up 37% in one year

The problem realtors describe

The good year that cost you at tax time

You estimate your income in November for a year that has not happened yet. Then a strong spring pushes you over the line, and the credit you already used gets reconciled on your return. Nothing about your health changed, but the coverage got more expensive after the fact.

Figures above are KFF analysis of the 2026 plan year

The enhanced premium tax credits lapsed after 2025, and the standing rule returned with them: a household above 400% of the federal poverty level cannot qualify for a premium tax credit at all. Not a reduced one. None. That single line is what moved a lot of self-employed households off Marketplace coverage.

Read this part slowly

What “no deductible” actually means

A fixed benefit plan does not reimburse your expenses. It pays a set dollar amount when a covered event happens. Federal regulators describe it as “fixed, cash payments upon the occurrence of a health-related event,” where “benefits are paid regardless of the amount of expenses a consumer incurs.” Four things follow, and the third is the one that matters most.

No deductible

There is nothing to deduct from. The plan is not sharing your bill — it pays a fixed amount on a covered service from the first claim, so there is nothing to satisfy first.

No copay

You are not paying something to unlock a benefit. The plan pays what its schedule says and you settle the remainder with the provider.

The benefit has a ceiling

Because the plan pays a set amount, a large bill can exceed the benefit and you owe the difference. A small bill can land under it, and the balance goes to you.

No income test

Premiums turn on age, tobacco use, benefit tier, household size and state. Nothing is estimated in advance and nothing is reconciled on your tax return.

And the part nobody advertises

This is regulated as an excepted benefit, outside the Affordable Care Act’s comprehensive-coverage rules, and the federal characterisation is blunt: it is not a substitute for comprehensive coverage. It is medically underwritten, most policies carry a preexisting-condition limitation commonly running 12 months, and routine pregnancy and childbirth are generally excluded with only complications covered. Terms vary by policy and by state, every time. Anyone who sells you the first three points without the fourth is selling rather than advising.

Designed around real situations

Where most realtors are when they call

Find the one that sounds like you. It changes what we would recommend, and sometimes it means we tell you to buy less than you were planning to.

Between closings

A slow quarter does not change your premium, but it changes what you can comfortably pay. Coverage that costs the same every month is easier to plan around.

Your income estimate was wrong

If you had to repay part of a premium tax credit, you already know the problem. A fixed benefit plan has no income test at all.

Newly licensed

First year in the business, no employer plan behind you, and commission that has not started landing yet.

Team lead or broker owner

You are paying your own way and possibly thinking about what you can offer the agents under you.

Over the subsidy line

A good year can put you above 400% of the federal poverty level, where the premium tax credit stops entirely.

Mid-year and uninsured

You missed Open Enrollment and have no qualifying life event. Fixed benefit coverage is not bound to that calendar.

Make a confident decision

A consultation centred on you

A first call takes about twenty minutes. We ask what you are treating, what you take, what you used last year, and what the premium did to you. Then we tell you what we think — including, regularly, that you should stay where you are.

Let us talk about your health history

This coverage is medically underwritten. Preexisting conditions generally carry a 12-month benefit limitation, with terms varying by state. Tell us about ongoing treatment, prescriptions or planned care so we can explain the applicable benefits, exclusions and eligibility before you apply rather than after.

Would you rather see numbers first?

If you would rather look at pricing before you speak to anyone, you can run your own quote. A self-serve quote prices the base plan on its own — the layered package we would usually recommend, adding critical illness, accident, and dental and vision cover, is a conversation rather than a form.

Run your own quote →

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Where we can help

Licensed in 23 states

Realtors work across state lines, so this matters. The Jordan Insurance Agency holds an accident and health line of authority in each of the states below. Product availability and benefit schedules still vary by state, so ask us about yours.

NC
AL
AR
AZ
CA
FL
GA
IN
LA
MI
MO
MS
NJ
NM
NV
OH
PA
SC
TN
TX
VA
WI
WV

The full list

North Carolina, Alabama, Arkansas, Arizona, California, Florida, Georgia, Indiana, Louisiana, Michigan, Missouri, Mississippi, New Jersey, New Mexico, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin and West Virginia.

If your state is not on that list, say so on the call and we will tell you straight rather than take the appointment anyway.

How we work

We will tell you what we actually think

Independent, not captive

We represent multiple carriers and are not paid more for placing you in a fixed benefit plan than for telling you to keep your Marketplace coverage.

No cost to you

You pay the same premium you would pay going direct. The help and the ongoing service are included.

We read you the schedule

If it is a fit, we read the actual benefit schedule and walk the exclusions out loud. You get the documents before you sign anything.

A real person next year

The same agency when your income changes, a plan is discontinued, or a claim goes sideways.

Go deeper

Questions realtors ask before they buy

No. Fixed benefit premiums are based on age, tobacco use, benefit tier, household size and state. There is no income test and nothing to reconcile at tax time, which is the main reason realtors look at it after a subsidy repayment.

Not with this coverage, because there is no credit involved. Whether it happens again on a Marketplace plan depends on how close your estimate lands to your actual income. We can walk through both paths on a call.

No. It is regulated as an excepted benefit, outside the Affordable Care Act's comprehensive-coverage rules, and the federal characterisation is direct: it is not a substitute for comprehensive coverage. It pays a set amount per covered service rather than a share of your bill, and there is no cap on what you could owe above that amount.

Yes. Marketplace coverage is locked to Open Enrollment unless you have a qualifying life event. This coverage is not bound to that calendar. It is medically underwritten instead, which is a real tradeoff rather than a free pass.

Both are commonly included and both are useful. Neither is insurance. The discount card is a discount programme and comparable cards are free to the general public, and specialty virtual care such as psychiatry, psychology and dermatology typically costs extra.

▶No deductible health plans, in full▶Fixed benefit health plans▶Who should not buy a limited medical plan▶Fixed benefit versus major medical▶How to build a coverage package▶Full guide to health insurance alternatives

Talk to a licensed agent

Book a call and we will tell you what we actually think. If this is not right for you, you will hear that first, and you will hear why.

Call (704) 926-7565
Locations
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North Carolina Office
3540 Toringdon Way
Suite 200
Charlotte, NC 28277

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Tennessee Office
159 4th Ave N
Suite 100
Nashville, TN 37219

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(704) 926-7565

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(980) 206-3356

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