eXp Realty Healthcare: Save Up to 80% on Premium Care!

Key Points:

• Save $8K+/year on average with 60%+ lower premiums and 80% fewer out-of-pocket costs vs. traditional plans.
• Custom plans (for 85% of agents) with $0 deductibles, low copays, and no visit limits.
• Keep your current doctors via top nationwide PPO networks; free care coordination.
• Mental health support included: Free virtual therapy via Talkspace.
• Enroll anytime—no deadlines. 5-minute sign-up with expert guidance.

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Let’s talk about the elephant in the room—healthcare. Or, more accurately, the lack of it. Somewhere between juggling open houses, lead gen, and being your own marketing department, 28% to 33% of real estate agents are winging it with zero health insurance. And for the rest? Premiums are sky-high, coverage is low-quality, and surprise bills hit harder than a bad appraisal.

Here’s where eXp Healthcare flips the script. eXp Realty isn’t just throwing agents into the commission wilderness with a “good luck out there” wave. Nope. They partnered with Clearwater Benefits to build something agents actually need: affordable, customizable healthcare plans that save you thousands without cutting corners.

Whether you’ve got a growing family, pre-existing conditions, or just want a PPO network that doesn’t ghost you, this blog’s going to break down how eXp Healthcare works, what agents are saying, and why it just might be the smartest move you’ll make this year. Here’s your handy-dandy index:

Clearwater Benefits

eXp partnered with Clearwater Benefits over 5 years ago to provide U.S.-based eXp agents and their families with better healthcare at lower costs.

As an eXp agent, eXp Realty Healthcare by Clearwater succeeds by helping you:

• 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 will guide you to your best healthcare solution. 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.

Unlock the Perks: Why eXp Realty Healthcare Rocks

Agents Save More Dollars Every Year

Top of the perks list? The cash savings are massive. 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. 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?

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, and it takes less than five minutes to enroll. Getting healthcare is fast and simple for eXp agents.

Health Insurance That Works For Agents, Not Against Them

Look, real estate is already a rollercoaster—you don’t need your healthcare to be another surprise drop. With eXp Healthcare, agents finally get access to real, affordable, high-quality coverage that doesn’t feel like a second full-time job to figure out. And the numbers speak for themselves: thousands saved per year, better networks, no annoying enrollment deadlines, and expert support that doesn’t ghost you when you need answers.

But here’s the kicker—this level of agent-first innovation isn’t just about health plans. It’s baked into everything eXp Realty does. From commission splits to tech tools to stock awards, eXp is obsessed with helping agents keep more, do more, and stress way less.

And if you really want to level up? Plug into Smart Agent Alliance, the team that makes all this even better. As part of our squad, you’ll get:

All free for agents who join eXp Realty and name a Smart Agent Alliance founder as their sponsor. Learn more about how eXp Realty and Smart Agent Alliance can help you scale your career. Not sure if eXp is the right fit for you? Not sure how passive income grows?  You can play with the numbers using our exp realty revenue share calculator to see how much you could earn. Not sure how to become a real estate agent? We’ve got loads of helpful info on that too. Partner with us today and take your real estate career to the next level!

Frequently Asked Questions