You're a contractor. Here's how you get covered.
eXp doesn't run a group health plan, because agents are independent contractors. What it does is keep a Healthcare Navigator: three options popular with self-employed people, from real marketplace insurance to healthcare sharing that starts at $73 a month. Here's what each one is, plainly.
eXp's Healthcare NavigatorInsurance, or sharing.
One is insurance. Two are sharing communities, which cost less and are not insurance.
Stride
- Health, dental, vision and life insurance
- Licensed advisors who are not tied to one carrier
- A plan recommendation in under five minutes
- Real insurance, so the marketplace's open enrollment window applies
MightyWELL
- Low copays for routine visits
- Preventive care covered in full
- An open network: see the doctors you want
- Enroll any time of year
Impact Health Sharing
- A wellness rewards program
- Member prices held steady for six-plus years
- Enroll any time of year
- Not offered in Rhode Island or Washington
Prices and features are as shown on eXp's Healthcare Navigator and are set by each organization; they change. eXp has no partnership, referral or financial relationship with any of them and doesn't vet or guarantee them. Neither do we.
Read this before you pick a sharing program
MightyWELL and Impact are healthcare sharing communities. They are not insurance, they aren't regulated as insurance, and they don't guarantee that a medical bill gets paid. Sharing isn't guaranteed and a program can decline to share a bill, often for pre-existing conditions or things outside its guidelines. For many healthy self-employed people they work well and cost a lot less. For others, real insurance is the right call. Read the guidelines, and talk to a licensed professional if you're not sure.
Questions
Does eXp give agents health insurance?+
No. eXp agents are independent contractors, so eXp doesn't provide a group plan. What it provides is a Healthcare Navigator: a page that points agents to three outside options popular with self-employed people. eXp has no referral or financial arrangement with any of them.
What's the difference between insurance and healthcare sharing?+
Insurance is regulated and has to pay covered claims. A healthcare sharing community is a group of members who share each other's medical bills. It's usually cheaper and you can join any time, but it isn't insurance: it isn't regulated as insurance, sharing isn't guaranteed, and a program can decline to share a bill. Read the guidelines before you count on it.
When can I sign up?+
Marketplace insurance (Stride) has an open enrollment window, usually November 1 to January 15, plus special windows after a qualifying life event like a move or a new baby. The sharing programs take members year-round. Confirm dates with each organization.
Are there other options?+
Yes. HealthCare.gov or your state's marketplace, any licensed broker, and the National Association of REALTORS® insurance program if you're a member.
Does this change if I join eXp through Techy Broker?+
No. Healthcare is the same for every eXp agent. What we add is on top of it: leads, tools, CRM setup, tech support and The Lighthouse Academy, with no split to us.
This page is a plain-language guide from Techy Broker, not insurance, legal or tax advice. We're not licensed insurance advisors.