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Updated: September 2026
The Short Answer: Most Brokerages Don’t Offer Health Insurance — eXp Realty Is a Real Exception
If you’re a new agent searching “do real estate brokers offer health insurance,” here’s the honest answer up front: almost none of them do, and it’s not because they’re being stingy. Real estate agents are independent contractors, not employees, which means brokerages aren’t legally required to (and typically don’t) offer employer-sponsored health insurance the way a traditional job would.
eXp Realty is one of the few brokerages that fills this gap — though it’s important to understand exactly what it is (and isn’t). eXp doesn’t provide free employer-sponsored insurance like a corporate job would. Instead, it partners with an outside healthcare company to give agents access to significantly discounted plans, guided plan-shopping, and a few valuable extras. That distinction matters, so let’s break down exactly what’s included.
Clearwater Benefits Partnership
eXp Realty partners with insurance brokerage Clearwater Benefits to give its more than 83,000 U.S. agents and their families access to its plans — a program eXp calls eXp Agent Healthcare.
eXp Realty agents have a choice of enrolling in traditional insurance or an alternative healthcare option that can be more affordable than coverage purchased directly on the Health Insurance Marketplace.
As independent contractors, real estate agents typically buy health insurance on the open market, which can be costly. A National Association of REALTORS® survey found that 14 percent of members carry no health insurance at all — a real gap that programs like this one are designed to help close.
According to Clearwater Benefits, independent contractors enrolled in their programs save an average of $10,000 on fixed healthcare expenses and 80 percent on out-of-pocket expenses.
eXp Realty agents also get access to a dedicated concierge to help them navigate their options, plus access to Teladoc, which provides 24/7 medical care via videoconferencing.
Frequently Asked Questions
Do real estate brokers typically offer health insurance?
No, not in the traditional employer-sponsored sense. Real estate agents are independent contractors, not employees of their brokerage, so brokerages generally aren’t set up to offer group health insurance the way a corporate employer would. Most agents purchase coverage on the open market or through the Health Insurance Marketplace.
Is eXp Agent Healthcare the same as employer-provided health insurance?
No — it’s an access and savings program, not free coverage from eXp itself. Through the Clearwater Benefits partnership, eXp agents get help finding and enrolling in discounted plans, plus a concierge and telemedicine access. Agents still pay for their coverage; the value is in the savings and guidance, not a company-funded insurance plan.
How much can agents actually save with eXp Agent Healthcare?
Clearwater Benefits reports an average savings of around $10,000 on fixed healthcare expenses and 80% on out-of-pocket costs compared to typical open-market plans, though actual savings vary by individual circumstances, age, and location.
Do I have to be an eXp Realty agent to use Clearwater Benefits?
The eXp Agent Healthcare program specifically is only available to current eXp Realty agents and their families. Clearwater Benefits as a company may work with other clients directly, but the discounted rates and concierge service described here are part of eXp’s specific partnership.
If my brokerage doesn’t offer anything like this, how do most agents get health insurance?
Most agents purchase individual or family plans through the Health Insurance Marketplace (healthcare.gov), through a spouse’s employer plan if available, or through a private insurance broker. Since this is one of the real, ongoing costs of being an independent contractor, it’s worth budgeting for as part of your business expenses — see our Real Estate Agent Expenses guide for a full breakdown.
About eXp Realty
eXp Realty is one of the largest independent residential real estate brokerages in the world, with more than 83,000 agents across the U.S., Canada, and dozens of other countries. What sets eXp Realty apart is that it uniquely offers its real estate agents opportunities to earn company stock for production and contributions to overall company growth. As a national, cloud-based real estate brokerage, eXp Realty provides 24/7 access to collaborative tools, training, and community for real estate brokers and agents. eXp Realty is the core subsidiary of AGNT, Inc. (Nasdaq: AGNT), formerly known as eXp World Holdings.
For more information on joining eXp Realty, please visit the official eXp Realty website.
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Want to learn more about eXp Realty? Schedule a private call with eXp Agent Kerry Lucasse!
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