For Established Real Estate Agents

You built the business.
Your health plan never
caught up

If you've been in the business 3+ years and you're still on the marketplace plan you grabbed when you first went independent, there's a good chance you're paying premium prices for coverage you've outgrown. At your income level, options exist that nobody markets to realtors honestly. A free 15-minute review shows you what they are.

Book My Free 15-Min Review → What happens on the call
15 min
One call. No pitch,
no obligation.
$0
The review is free.
Full stop.
0 spam
No cold calls or texts.
Ever. You found me.
Brandon Rapose
Brandon Rapose
Licensed & Independent

You get 27 insurance texts a day from marketers scraping license lists. I will never be one of them. No cold outreach, no “as a Realtor you qualify…” — you come to me, or we never talk.

Why realtors overpay

Three reasons your plan is
probably wrong for you now

01

You picked it years ago — and never looked back

The plan that made sense when you first went independent was the cheapest thing that let you sleep at night. Your income has changed since then. Your plan hasn't. Carriers count on you auto-renewing — inertia is the most expensive setting on a health plan.

02

The offers you do get are junk

Marketers pull your number from public license lookups and blast “realtor programs” that are actually indemnity plans — $500 if you break a leg, no out-of-pocket maximum. After enough of those texts, you tune out everything — including legitimate options.

03

Nobody actually built this for you

NAR — the largest trade association in the country — offers no real group health plan. Your brokerage can't cover you because you're not their employee. You're a business owner with a business owner's options… that no one ever walked you through.

“I paid $1,800 a month… after 16 months my health savings was gone. I spent $30,000 for the privilege of having insurance.”

— A real agent, in a public realtor forum. This page exists so that stops happening.
The Realtor Coverage Review

What we cover in 15 minutes

Not a sales call — a second opinion from a licensed advisor who works with agents. Bring your current premium and your last plan document if you have it.

1

What you pay now

Premium, deductible, out-of-pocket max, and network type — the four numbers that define whether your plan is working for you.

2

How your income works

Commission income is lumpy and lands months after the deal. That changes subsidy math, plan timing, and which structures fit — realtor-specific, not generic 1099 advice.

3

What's actually available

The options at your income level in your state — stated honestly, including what isn't available where you live. No “PPO-like” hand-waving.

4

A straight answer

Sometimes the answer is “your plan is right — keep it.” If that's the truth, that's what you'll hear, and the call ends there.

Education first

Why trust this page
and not the texts?

I'm Brandon Rapose — a licensed, independent health insurance advisor and the face behind Coverage with Brandon. My mission is to help 1 million people lower the cost of their coverage — and realtors are the profession the junk-insurance industry targets hardest. That's why this vertical exists.

See the main site →
  • ✓A name, a face, a license. Everything the spam texts don't have. Verify all of it before we ever talk.
  • ✓No NAR pretending. I'll tell you plainly what NAR does and doesn't offer — no fake affiliations.
  • ✓No junk products. If a plan has no out-of-pocket maximum, it's not health insurance — and I'll show you how to spot that yourself.
  • ✓Inbound only. I never cold-call, cold-text, or buy license lists. Every client found me the way you just did.
Before you book

Fair questions

Is this another “realtor insurance program” like the ones texting me?
No — and healthy skepticism is the right default in this category. Those texts come from marketers using public license data to sell limited indemnity products. I'm an independent licensed advisor; this is a review of your situation, not a pre-packaged “realtor plan.” You can verify my license, my name, and my face before we ever speak — and I'll never contact you first.
I already have a plan. Why would I book a review?
That's exactly who this is for. The question isn't whether you're covered — it's whether the plan you picked years ago still fits a business doing your current volume. Outgrown isn't the same as covered. If your plan is still right, the review ends with “keep it” — a third possible outcome the sales texts never offer.
My income is unpredictable. Doesn't that break the subsidy math?
It complicates it — commission checks are lumpy, seasonal, and land 30–90 days after closing, which makes annual income estimates genuinely hard. That's a realtor-specific problem, and planning around it is a core part of the review. Generic 1099 advice built for freelancers with steady monthly billing doesn't account for it.
What does the review cost, and what's the catch?
It's free, it's 15 minutes, and there's no obligation. If I can help, I'll show you options and you decide — I'm compensated by carriers when you enroll through me, which is how independent advisors work, and it costs you nothing extra. If I can't beat what you have, I'll say so and you keep your plan.
Will you start texting and emailing me forever if I book?
No. One confirmation, one reminder for the call itself. If the answer after the review is “no thanks,” that's the end of it. The entire premise of this practice is being the opposite of the 27-texts-a-day people.
Free 15-minute call

Let's find out what you
should actually be paying

Pick a time that works around your showings. Prefer not to book yet? Leave your details and I'll reach out once — no drip campaign, I promise.

Not ready to pick a time?

One follow-up from me personally. That's it.

Got it — I'll personally reach out within one business day. No spam, ever.

Submitting shares your info with me (Brandon) only. It is never sold, shared, or added to a text-blast list.