Affordable Healthcare for Real Estate Agents: How eXp Is Solving One of the Industry’s Biggest Gaps
Health insurance shouldn’t be the reason real estate agents lose sleep—but for many, it is.
Independent agents often face sky-high premiums, limited networks, or no coverage at all. That’s why eXp Realty partnered with Clearwater Benefits to offer something truly different: affordable, high-quality healthcare designed for agents.
From low copays and $0 deductibles to a nationwide open network and concierge support, eXp Agent Healthcare is removing one of the biggest pain points in the industry—and giving agents the peace of mind they deserve.
🏥 Why Traditional Healthcare Doesn’t Work for Most Agents
Most real estate professionals are self-employed, meaning they don’t get access to employer-sponsored group plans. That often leaves agents to choose between:
- Marketplace plans with inflated premiums and high deductibles
- Limited networks that don’t include their preferred doctors
- No insurance at all, leaving them vulnerable
eXp Agent Healthcare, powered by Clearwater Benefits, was built to change that—with smarter options, exclusive access, and better pricing.
💡 What Makes eXp Agent Healthcare Different?
Unlike one-size-fits-all marketplace plans, eXp Agent Healthcare offers a mix of innovative and traditional insurance models. The goal? To meet agents where they are financially—without sacrificing quality or access.
Here’s what sets it apart:
- $0 deductibles on many plans
- Low monthly premiums for individuals or families
- Nationwide open network (see your preferred doctors anywhere)
- Virtual concierge to help you schedule care and find top providers
- Dental, vision, and prescription options included
Enrollment takes less than 5 minutes—and you get personalized support throughout the process.
📊 Real Savings: Four eXp Agents Share Their Stories
💬 Beth Silverman – Florida
Saved $8,000/year in premiums while battling cancer in her 20s.
“It’s community-based and way more affordable. I’m saving thousands—and the care has been excellent.”
💬 Joe Sinnona – New York
Cut family healthcare costs by more than 50%.
“We went from $1,850 to $791/month for our family of four—same doctors, same care.”
💬 Drew Schroeder – Indiana
Saved $12,612/year while keeping his preferred doctors.
“My advisors tried to poke holes in it—and told me it was a no-brainer.”
💬 Gogo Bethke – Michigan
Saved thousands while maintaining coverage for a child with Type 1 diabetes.
“For a healthy family, it’s unbeatable. The concierge service made it easy to customize.”
🤝 Personalized Plans With Concierge Support
Clearwater Benefits offers more than just insurance—they provide consultative support, helping agents find plans that work for their unique health needs and budgets.
Whether you have pre-existing conditions, a growing family, or need specialty care, you’ll receive guidance from trained consultants—not salespeople.
And because Clearwater pays its team the same commission whether you choose their plan or a marketplace one, you’ll get honest advice with no pressure.
💬 Why This Matters
“Our priority is our agents’ success and well-being.” – Mike Vein, EVP of People at eXp Realty
Real estate success isn’t just about leads and listings—it’s about protecting your ability to show up fully, focus on your clients, and build a life you’re proud of.
eXp Agent Healthcare is just one more way the company is backing that commitment—alongside industry-leading training, revenue share, stock awards, and agent support.
👉 Learn more in Agent Benefits That Go Beyond Real Estate
❓ FAQ – eXp Agent Healthcare
Who qualifies for eXp Agent Healthcare?
All eXp Realty agents and their families in the U.S. are eligible to explore plan options through Clearwater Benefits.
What if I have pre-existing conditions?
Clearwater consultants can help determine if a marketplace or Clearwater plan is better based on your health history and treatment needs.
Do I have to switch doctors?
Most agents are able to keep their preferred doctors, thanks to the nationwide open PPO network.
How long does it take to enroll?
Most agents complete enrollment in less than 5 minutes after a quick consultation.
