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 open-market rates
- Multiple plan paths are evaluated, not one-size-fits-all
- Enrollment is available year-round
- Coverage works alongside the brokerage platform
eXp Healthcare is an optional healthcare access program available to U.S.-based eXp Realty agents through a partnership with Clearwater Benefits. It provides agents with guided plan evaluation, access to alternative cost-sharing structures, and access to traditional marketplace plans.
Many independent real estate agents assume group healthcare access is unavailable to them outside of traditional employment. eXp Healthcare is separate from the brokerage platform and has no effect on commission splits, caps, or sponsorship placement.
This article explains how eXp Healthcare fits into the broader eXp Realty Solutions ecosystem available to eXp agents.
This article covers how eXp Healthcare is structured, what plan categories are available, how enrollment works, and how costs compare to open-market options:
Table of Contents
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:
- May reduce fixed medical costs compared to open-market plans
- May reduce out-of-pocket exposure depending on plan selection
- Access to PPO networks that may include current providers
Many plans available through Clearwater include low copays, low out-of-pocket costs, and zero-dollar deductibles. Specific plan availability and terms depend on individual eligibility and plan type.
Plan costs vary by individual circumstances. Clearwater evaluates each agent’s situation to identify applicable plan options.
Wide Range of Healthcare Options
eXp Realty Healthcare provides plan comparisons and expert guidance based on individual agent circumstances. Three primary plan paths are available:
eXp Realty Healthcare Solution
The Clearwater-curated healthcare solution is designed for agents seeking lower fixed costs and alternative cost-sharing structures. Details are covered in the “How eXp Realty Healthcare Is Structured” section below.
Traditional Health Insurance
This option provides traditional marketplace plans. Clearwater can assist with plan selection at no additional cost beyond standard marketplace pricing. Guidance is available for agents who are better suited to conventional insurance structures.
Supplemental Insurance
Supplemental coverage options are also available, including dental, vision, accident, critical illness, and disability insurance. These can be added based on individual coverage needs.
How eXp Realty Healthcare Is Structured
Agents Save More Dollars Every Year
One commonly cited consideration is reduced fixed healthcare costs. According to data cited by eXp, agents switching to the Clearwater plan may save more than $8,000 annually in fixed medical costs, representing a 60% or greater reduction. Clearwater also reports an 80% reduction in out-of-pocket costs for eXp agents compared to traditional health insurance. Individual results vary based on prior plan costs and plan selection.
Same Quality Care with Nationwide Open Networks
eXp Healthcare provides access to two of the nation’s largest PPO networks. Agents may be able to retain existing doctors and specialists depending on network coverage in their area.
No Limits, Maximum Payouts, or Hassles
Selected plans may have no annual limits on doctor visits, labs, or prescriptions. The Care Coordination team can assist agents with locating providers and scheduling services for labs, imaging, and hospital care. When agents use the Care Coordination service, copays and out-of-pocket costs for covered services may be waived depending on plan terms.
Expert Second Opinion services
eXp Healthcare includes access to specialist consultations for second medical opinions. Agents can request consultations from specialists in relevant fields when evaluating diagnoses or treatment options.
No Enrollment Deadlines
eXp Healthcare does not require agents to enroll during traditional annual open enrollment periods. Agents may begin the enrollment process at any point during the year.
Mental Healthcare
eXp Realty, through Clearwater, provides access to Telemedicine services including virtual mental health support. This is available to agents enrolled in eligible plans.
eXp Realty Healthcare vs Other Brokerages
The comparison chart above shows healthcare benefit availability across several national brokerages. Among those listed, eXp Realty is identified as the only brokerage offering a dedicated agent health plan structure. Individual plan availability and savings vary.
Success Stories
The following agent accounts describe individual experiences with eXp Healthcare. These examples reflect individual outcomes and are not representative of results for all agents.
Beth Silverman, Florida
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.”
Joe Sinnona, Long Beach, New York
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.
Drew Schroeder, Indianapolis
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.
Gogo Bethke
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?
Based on internal Clearwater guidance patterns reported to agents:
85% of eXp agents are recommended a Clearwater plan. This typically applies to agents 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 remain on their current plan. In all cases, agents receive a professional plan evaluation regardless of whether a switch is recommended.
Regardless of the recommendation, all agents who engage with eXp Healthcare receive individualized guidance on plan options.
Is it easy to sign up for eXp Realty Healthcare?
eXp Realty Healthcare is initiated through the eXp Realty Healthcare team. Clearwater states that the enrollment process takes approximately five minutes once an agent has selected a plan.
What Agents Also Ask About eXp Healthcare
Is eXp Healthcare required if I join eXp Realty?
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
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 an agent selects shapes which tools, training, and attraction systems they have access to, if any, including guidance on healthcare options, enrollment support, and other agent benefit resources available through that sponsor.
Agents evaluating eXp Realty should ask their intended sponsor what support they provide for navigating healthcare and other non-commission benefits before completing the application.
Related eXp Realty Solutions Guides
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Karrie Hill
Co-Founder, Smart Agent Alliance
UC Berkeley Law (top 5%). Built a six-figure real estate business in her first full year without cold calling or door knocking, now coaching other agents to greater success.