Florida has over 200,000 licensed real estate agents and thousands of small independent brokerages. The real estate industry's hybrid workforce — 1099 agent contractors and W-2 support staff — creates a complex health insurance picture. Understanding which employees can be covered under a group plan, how broker-owners access their own coverage, and what options exist for 1099 agents is essential for every Florida real estate business owner.
Most Florida real estate agencies have a split workforce. The group health plan can only cover W-2 employees — transaction coordinators, office managers, marketing coordinators, administrative assistants. The 1099 independent contractor agents are excluded from the brokerage's group plan entirely. If the brokerage has at least one W-2 employee (excluding the owner), the broker can set up a group plan and cover themselves along with W-2 staff.
Shopping group health for your team
| Situation | Health Insurance Option |
|---|---|
| Broker-owner with W-2 staff | Small group plan — cover self + W-2 employees |
| Solo broker, no W-2 employees | Individual ACA Marketplace plan |
| Broker spouse covered by spouse's employer | Enroll in spouse's group plan |
| S-corp broker with W-2 payroll | Group plan or S-corp self-employed deduction |
| QSEHRA for small brokerage office | Reimburse W-2 staff individual plan premiums |
Whether you have W-2 staff to cover or need individual coverage as a broker, we can help.
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