Health Insurance for Realtors in Florida and Texas
If you're a real estate agent paid on commission, health insurance can be tricky. Your income can swing from month to month, and Marketplace savings are based on what you expect to earn for the whole year. Guess too low or too high, and it can cost you.
Own a business with 2+ employees? A group plan may cost less (rules vary by state).
This guide explains how 2027 Marketplace savings work for commission-based agents in Florida and Texas, how to estimate your income, and what to compare before you enroll.
How Marketplace savings work in 2027
- The enhanced premium tax credits (2021–2025) expired Dec 31, 2025 and have not been renewed.
- Your expected contribution toward the benchmark Silver plan is 2.15% to 10.22% of income for 2027.
- There's no premium tax credit above 400% of the poverty level. For 2027 coverage that's $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for a family of four.
- Florida and Texas have not expanded Medicaid. Households under 100% of the poverty level generally get no Marketplace savings.
A single person earning $63,840 is expected to pay up to 10.22% of income toward the benchmark Silver plan, about $6,524 a year (about $544 a month). One dollar more, and the premium tax credit is $0. Our guide to the 2027 subsidy cliff explains what happens near that line.
Estimating commission income
For Marketplace savings, income means modified adjusted gross income (MAGI). MAGI is your adjusted gross income (AGI, the figure on Form 1040, line 11) plus any untaxed foreign income, non-taxable Social Security benefits and tax-exempt interest.
If you're paid as a self-employed agent:
- Report your net self-employment income. That's your business income minus your business expenses, the same profit you report on Schedule C. If your expenses are higher than your income, you report a net loss.
- Use the Marketplace's own approach. Estimate based on your past experience, realistic expectations and industry standards. For seasonal or irregular work, you can report your current income and update the application as changes happen.
- Update when a big closing changes your year. If your actual income is higher than you estimated, some or all of the credit may have to be repaid at tax time, so report income changes.
There's no longer a repayment cap. Starting with tax year 2026, if the advance credit paid to your insurer was more than the credit you qualify for, you have to repay the full difference when you file.
Our guide to estimating self-employed income for the Marketplace goes step by step.
What to compare
- Total yearly cost, not just the premium. For 2027, the in-network out-of-pocket maximum is $12,000 for an individual and $24,000 for a family. Your plan's own limit can be lower.
- HSA-eligible plans. Bronze and catastrophic Marketplace plans are HSA-eligible from 2026, and that continues for 2027. The 2027 HSA limits are $4,500 self-only and $9,000 family.
- Doctors and prescriptions. Check that your doctors are in network on the plans you compare.
The self-employed health insurance deduction
If you're self-employed, you may be able to deduct your premiums on Form 7206. The deduction isn't allowed for months you were eligible for a subsidized employer plan, including through a spouse, and it's limited to your net profit. Our Florida self-employed health insurance guide covers more.
Key 2027 dates
Open Enrollment for 2027 runs Nov 1, 2026 to Jan 15, 2027. Enroll by Dec 15 for coverage that starts Jan 1; enrollments from Dec 16 to Jan 15 start Feb 1. Outside Open Enrollment, you generally need a qualifying life event, like losing coverage, moving, getting married or having a baby.
How Health Services Pro helps
Health Services Pro is a licensed, independent agency in Sunrise, Florida, licensed in 30+ states, including Florida and Texas. We work with 50+ carriers and have Spanish-speaking agents. Working with a licensed broker generally costs nothing extra, because brokers are typically paid by the carriers. See our Florida individual and family plans and Texas individual and family plans.
Frequently asked questions
How do I estimate income if I'm paid on commission? Estimate based on your past experience, realistic expectations and industry standards. For irregular work, you can report your current income and update the application as changes happen.
What income do self-employed agents report? Your net self-employment income: business income minus business expenses, the same profit you report on Schedule C.
What happens if I earn more than I estimated? Some or all of the credit may have to be repaid at tax time. Starting with tax year 2026, there's no repayment cap, so report income changes.
Is there an income limit for premium tax credits in 2027? Yes. There's no premium tax credit above 400% of the poverty level: $63,840 for one person and $132,000 for a family of four.
When do I need to enroll for Jan 1 coverage? Enroll by Dec 15, 2026 for coverage that starts Jan 1, 2027. Open Enrollment ends Jan 15, 2027.
Get your quote
Compare 2027 plans from 50+ carriers in one call: request a quote or call (954) 736-0885.