Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Many people who are considering becoming Realtors worry about getting health coverage
  • Most Realtors work through an agency that provides them with health insurance coverage
  • Those that don’t can always compare health insurance quotes online and buy their own policy

There are a variety of ways in which real estate agents, otherwise known as Realtors, can qualify for and obtain health insurance.

Many people who are thinking of becoming Realtors worry about how they are going to obtain healthcare, but there are several easy ways to do this.

  1. Most Realtors simply get policies through their agencies.
  2. Many self-employed Realtors purchase their own policies online.
  3. Some Realtors get on the policies of a spouse.
  4. Some Realtors can carry insurance as a dependent.
  5. Some Realtors can be covered by the government.

To learn more about these methods of obtaining health insurance, read on.

To compare health insurance quotes and find the best one for your needs, enter your zip code into our free comparison tool above.

The First Way Realtors Can Purchase Health Insurance

The first and most common method for Realtors to purchase health insurance is to do it through their real estate agency.

Doing so is a form of obtaining employer health insurance. This method may work better for some Realtors, as purchasing health insurance by yourself can prove more complicated and potentially more expensive.

Most health insurance plans offered by real estate agencies will be group health insurance plans and this is usually beneficial since the group health insurance plan reduces costs as well as providing superior benefits to many individual health insurance plans.

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The Second Way Realtors Can Obtain Medical Insurance

The second method of obtaining health insurance for a Realtor is for them to purchase it themselves.

Many health insurance plans are available for Realtors to purchase online, either through the online health insurance comparison service or through a specific insurance company.

Purchasing health insurance for themselves is the most straightforward method a Realtor can use to obtain it, but there are plenty of other methods as well. A Realtor may wish to explore these methods as purchasing health insurance for yourself can have some drawbacks.

The Third Method for Buying Health Coverage


The third method for Realtors to purchase health insurance to get it from a spouse.

Some Realtors may have spouses who have group health insurance plans through their employers and these plans may cover spouses of those companies’ employees.

This is a less common method of obtaining health insurance for Realtors, but it is still an option for some and should be discussed.

As mentioned before, such health insurance would be a group health insurance plan and these usually provide good benefits for those covered under the plan.

The only downside to this method is that a Realtor must have a spouse who has such a plan in order to obtain health insurance in this way.

The Fourth Way That You Can Get Medical Coverage

The fourth method for a Realtor to obtain health insurance is to get coverage under someone else’s plan as a legitimate dependent.

Generally speaking, this applies to children of those covered under the plan, but there are some exceptions to this rule.

Obtaining health insurance through someone else’s plan in this way could prove to be a low-cost option for Realtors if they qualify as dependents in another’s health insurance coverage.

Of course, this has a similar drawback to the third method in that a Realtor must have someone else willing to cover them under their plan and qualify as a dependent under said plan.

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The Last Way for a Realtor to Obtain Health Coverage


The fifth method for a Realtor to obtain health insurance is to get it directly from the government. Realtors can do this by applying for aid through the government programs Medicare and Medicaid.

Both programs offer various health insurance plans and Realtors can take advantage of these. However, some of the health insurance plans offered by these programs may not cover all of a Realtor’s medical expenses.

Additionally, a Realtor must qualify for coverage under Medicare or Medicaid, which is by no means guaranteed.

Final Thoughts

In conclusion, there are many ways for a Realtor to get health insurance coverage. Most Realtors simply get this coverage through their agency, but it may not be this simple for self-employed Realtors or for agents who own their own companies.

These people can get their health insurance online after comparing insurance quotes. There are several other options if this doesn’t work out, but most Realtors who don’t get coverage through their agency simply buy their own policy online.

The bottom line is that a Realtor will always be able to obtain health insurance coverage one way or another.

Compare health insurance quotes today by using our free rate tool below.