How eXp Healthcare Coverage Is Structured for Agents

Key Takeaway: eXp Healthcare is an optional eXp Realty solution designed for independent agents who want lower healthcare costs and flexible coverage options. It uses curated partnerships and guided plan selection to evaluate healthcare options while operating separately from the core brokerage platform.

TL;DR About eXp Healthcare at eXp Realty

• eXp Healthcare is optional, not required
• Built for independent contractors, not W-2 employees
• Cost structures are often lower than traditional open-market plans
• Multiple plan paths are evaluated, not one-size-fits-all
• Enrollment is available year-round
• Coverage works alongside, not in place of, the brokerage platform

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Let’s talk about the elephant in the room, healthcare. Or more accurately, the lack of it. Between managing transactions, lead generation, and running an independent business, many real estate agents are left navigating expensive or inadequate health insurance on their own.

eXp Realty addressed this long-standing gap by partnering with Clearwater Benefits to create an optional healthcare solution designed specifically for agents. Instead of forcing plans or limiting choices, eXp Healthcare focuses on reducing cost, improving coverage options, and providing expert guidance.

This article explains how eXp Healthcare fits into the broader eXp Realty Solutions ecosystem available to eXp agents. Here’s your handy dandy index:

Clearwater Benefits

eXp partnered with Clearwater Benefits to provide U.S.-based eXp agents and their families access to alternative healthcare structures and plan guidance.

Agents commonly describe the following outcomes when reviewing plans through Clearwater guidance:

• Save substantially on fixed medical costs
• Save substantially by reducing your out-of-pocket risk
• Upgrade your network of doctors and hospitals

eXp Realty Healthcare by Clearwater provides a unique balance between affordability and high-quality coverage. Many plans include low copays, low out-of-pocket costs, and zero-dollar deductibles.

Agents get the healthcare they need at prices substantially below traditional open-market health plans.

Wide Range of Healthcare Options

eXp Realty Healthcare offers a wide range of healthcare options. The best part? You don’t have to figure it out yourself. That’s because eXp Realty Healthcare provides a personalized approach.

eXp Realty Healthcare meticulously assesses each agent’s situation to determine the most cost-effective plans without compromising on quality. The experts provide plan comparisons and guidance based on individual circumstances.

Let’s review the three primary ways an eXp agent may go:

eXp Realty Healthcare Solution

Crafted by Clearwater, this is the gold standard for maximizing your benefits while minimizing your costs. Think top-notch network access and minimized risk—all served up with a side of serious savings. We’ll unpack the juicy details shortly.

Traditional Health Insurance

Prefer the tried and true? This option provides traditional marketplace plans. The best part? There are no extra fees to get these through eXp Realty Healthcare. Our team will navigate the maze of plans to find the one that fits you like a glove.

Supplemental Insurance

And because we love options, there’s also supplemental insurance. Dental, vision, accident, critical illness, and disability insurance. Tailor your coverage to fit your life and sleep easy, knowing you’re fully covered.

How eXp Realty Healthcare Is Structured

Agents Save More Dollars Every Year

One commonly cited consideration is reduced fixed healthcare costs. On average, eXp agents bank more than $8,000 each year from switching to eXp Realty Healthcare – that’s a whopping 60% or more reduction in fixed medical expenses. But the savings don’t stop there. Clearwater reports an eye-popping 80% drop in out-of-pocket costs for eXp agents compared to traditional health insurance plans. Imagine keeping more of your hard-earned cash while still enjoying top-notch medical care.

Same Quality Care with Nationwide Open Networks

Switch to eXp Realty Healthcare, and you won’t sacrifice quality for cost. Thanks to access to two of the nation’s largest PPO networks, finding the perfect doctor or specialist is a breeze. Love your current doctor? No worries, you’re likely to keep them thanks to the extensive network options.

No Limits, Maximum Payouts, or Hassles

Say goodbye to the usual limits on doctor visits, labs, and prescriptions. With eXp, the coverage keeps on giving, without caps to hold you back. If you hate dealing with logistics, you’ll love the Care Coordination team. They help you find providers and schedule the care you need for labs, imaging, and hospital services. Plus, when you use this service, your copays and out-of-pocket costs are waived. You heard that right! Your care will be free!

Expert Second Opinion services

That’s right! At eXp Realty Healthcare, you’ll get the added perk of having access to life-saving consultations from leading specialists in their field for that all-important second opinion.

No Enrollment Deadlines

Forget about enrollment deadlines. eXp Realty Healthcare lets you jump on board any time of the year. eXp agents are not inconvenienced by those traditional medical enrollment deadlines.

Mental Healthcare

And there’s more. eXp Realty, through Clearwater, also provides Telemedicine to bring agents high-quality virtual mental health services. eXp Realty is always looking out for the best for their agents.

eXp Realty Healthcare vs Other Brokerages

This chart says it all. When comparing eXp Realty with other big brokerages such as Coldwell Banker, Remas, KW, Berkshire Hathoway, Compass, and even Real, eXp shines. Of all these brokerages, only eXp offers exclusive health plans for their agents. Additionally, only eXp Realty has innovative healthcare plans that save agents thousands of dollars every year.

Success Stories

Ready for some personal actual agent stories? When eXp Realty Healthcare became an option, many eXp agents decided to give it a go. The following examples reflect individual agent experiences and are not representative of all outcomes. Here are some of their stories.

Cancer Diagnosis – $8000 Saved Annually

At 26, Florida realtor Beth Silverman fought breast cancer alongside struggles to secure and afford health insurance as an independent contractor. Beth said, “Being a real estate agent meant endless battles for insurance that normal people who have not been touched by cancer can never understand.”

Now in remission, Beth faced recurring challenges such as annual re-enrollment, soaring premiums, and restricted networks. By switching to eXp Realty Healthcare, Beth saves roughly $8,000 annually on premiums. She says, “I have a cost-sharing plan through eXp, and it’s different than what people are used to. It’s community-based, and trust me … I’m saving thousands in the yearly premium, and prescription costs are a bit cheaper.”

Same Doctors, Same Care Quality – $10,000 Saved Annually

Joe Sinnona from Long Beach, New York, an eXp agent, discovered substantial savings with eXp Realty Healthcare Clearwater compared to his previous health plan. In 2018, Joe was paying $1,500 a month for his family’s health insurance, and the cost was set to increase to $1,850.

Facing these rising costs, Joe and his wife considered dropping their coverage but ultimately found a more affordable solution through eXp. Now, they pay just $791 monthly for the family’s healthcare and have even added dental coverage for an additional $100 a month.

Joe shares, “Same doctors, same quality of care. I raised the deductible and was able to get this affordable healthcare plan through eXp Realty.” He aims to serve as a testament to other agents seeking reliable and cost-effective health insurance.

Same Doctors – $12,000 Saved Annually

Drew Schroeder from Indianapolis, an eXp Realty ICON Agent, found himself reevaluating his health insurance as costs soared to $1,588 per month. After consulting his financial advisors and discussing the eXp Realty Healthcare Clearwater plan via a thorough Zoom meeting, Drew was convinced by the plan’s value.

In Drew’s words, “This is a special program your company is offering you. You need to do it.” By switching, Drew saves over $12,000 annually while maintaining the same doctors for his family. He appreciates how eXp helps bridge common gaps for agents, allowing him to focus on family and his career without the stress of healthcare costs.

Innovative Solutions for the Best Solution

When Gogo Bethke’s husband left his corporate job, the family lost their employer-provided health insurance. Gogo was shocked at the high cost of open-market healthcare. Previously paying around $900 monthly, including coverage for their son who has Type 1 diabetes, they needed an affordable alternative.

Clearwater offered a personalized solution, splitting their son’s coverage into an open market plan and the rest of the family’s into a Clearwater plan. Now, Gogo pays about $400 for her son’s plan and $865 for the family, which is significantly less than potential open-market costs.

Gogo said “It’s still much cheaper than the open market where we would be paying three times the cost”. Plus, Gogo says that the Clearwater plan her family chose offers very inexpensive prescriptions, diagnostic services, and doctor visits.

What Plans Do eXp Agents Typically Choose?

Are you wondering what health plans eXp agents often select after discussing their unique situations with eXp Realty Healthcare experts? Based on internal Clearwater guidance patterns reported to agents:

85% of eXp agents find that Clearwater is a great fit. This includes people who are generally healthy and under 65 years old.

10% of eXp agents get traditional health insurance through advice from Clearwater at no additional cost than the open market provides. This is a good fit for people with pre-existing conditions.

5% of eXp agents are advised by Clearwater to stay on their current plan. But, even if you don’t make a switch, it’s great to have the Clearwater professionals let you know that you are already on the right plan.

So, the vast majority of eXp agents end up with a Clearwater plan. But, all of them get expert advice to determine what is best for them.

Is it easy to sign up for eXp Realty Healthcare?

Absolutely! Choosing the right plan is simple with the guidance of the eXp Realty Healthcare team. Clearwater states that it takes less than five minutes to enroll. Getting healthcare is fast and simple for eXp agents.

What Agents Also Ask About eXp Healthcare

Is eXp Healthcare required if I join eXp Realty?
No. eXp Healthcare is optional and does not replace the brokerage relationship. Agents may choose to use eXp Healthcare, select traditional open-market insurance, or remain on an existing plan. Participation has no impact on commission splits, caps, sponsorship placement, or standing with eXp Realty.

How does eXp Healthcare compare to health benefits at traditional brokerages?
Most real estate brokerages do not offer healthcare options for independent contractors. eXp Healthcare differs by providing access to curated healthcare solutions and expert guidance, allowing agents to evaluate lower-cost and alternative structures rather than navigating open-market plans alone.

Who is eXp Healthcare best suited for?
eXp Healthcare is commonly used by independent agents under 65 who want lower fixed healthcare costs and predictable out-of-pocket exposure. It may not be ideal for every situation, which is why agents are evaluated individually rather than placed into a single plan.

Why This Matters Before You Join eXp Realty

eXp Healthcare is designed to address one of the most common blind spots for independent agents, affordable and functional healthcare, but it does not operate in isolation or replace the broader brokerage experience.

At eXp Realty, all agents receive the same core brokerage platform, including compliance, compensation, and access to company divisions. What differs is the sponsor ecosystem an agent aligns with.

The sponsor is selected during the application process, before most agents have used the brokerage’s systems, explored its tools, or seen how sponsorship works in real life. Knowing where sponsorship fits within eXp Realty’s overall structure helps agents view this decision in the right context.

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