Health insurance for Colorado realtors has become the primary factor driving talented agents away from agencies and preventing part-time agents from committing to full-time careers.
While you can’t legally provide traditional health benefits to 1099 contractors, ColoHealth has developed a proven solution that helps Colorado real estate agencies support their agents with affordable healthcare options. Our approach has helped dozens of Colorado agencies reduce agent turnover and attract top talent by solving their biggest pain point.
Key Takeaways
- Colorado agents are leaving agencies to find employers who offer health benefits.
- Many part-time agents won’t commit full-time due to health insurance for Colorado realtors costs.
- ColoHealth partners with real estate agencies to provide agent access to affordable healthshare plans.
- Healthshare plans cost 30-50% less than traditional insurance while maintaining excellent benefits.
- Agencies using ColoHealth’s solution see improved agent retention and easier recruitment of quality talent.
The Real Problem: Expensive Health Insurance for Colorado Realtors Is Driving Away Top Talent
Your best agents are making career decisions based on healthcare, not opportunity.
Sarah, a top producer in Boulder, just left your agency to take a W-2 position with a corporate brokerage. The reason? Health insurance for her family was costing $2,100 monthly as an independent contractor, but her new employer covers 80% of premiums.
Mike in Colorado Springs has been part-time with your agency for two years. He’s talented and could be producing $8-10 million in sales annually, but he won’t leave his current job with benefits to go full-time real estate.
This scenario plays out daily across Colorado. This scenario plays out daily across Colorado real estate agencies, where the lack of affordable healthcare options prevents talented agents from reaching their full potential.
Traditional health insurance costs for Colorado realtors are crushing your growth potential.
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COLORADO HEALTH INSURANCE
Why Traditional Solutions Don’t Work for Real Estate Agencies
Most Colorado real estate agencies feel helpless about the health insurance challenge.
You know you can’t provide group health insurance to 1099 contractors without risking their classification. You’ve probably explored association plans, but they’re often expensive and limited. Some agencies try higher commission splits to offset health costs, but that just hurts your bottom line without solving the real problem.
The result? You’re stuck watching talented agents choose security over opportunity, while your agency growth stagnates.
Meanwhile, larger brokerages with W-2 models are poaching your best people by offering benefits packages you can’t match.
ColoHealth’s Healthcare Solution: How We Help Colorado Real Estate Agencies
ColoHealth helps Colorado real estate agencies support their agents with affordable health insurance for Colorado realtors solutions.
We work with Colorado real estate agencies by:
- Educating agents about affordable health plans and other healthcare alternatives
- Offering access to healthshare plans that cost 30-50% less than conventional coverage, plus other health plan options
- Helping agents with enrollment in the right plans for their needs
- Connecting agents with the right healthcare solutions for their individual needs
What Makes Our Approach Different
Unlike insurance brokers who just sell policies, ColoHealth focuses on the unique needs of Colorado real estate professionals.
We understand rural considerations, outdoor activity coverage needs, and the variable income patterns common in Colorado’s real estate market.
We’ve been helping Coloradans with healthcare solutions since 2002, giving us deep expertise in both Colorado’s healthcare landscape and real estate industry dynamics.
Understanding Healthshare Plans: The Game-Changing Alternative to Traditional Health Insurance for Colorado Realtors
Healthshare plans represent the breakthrough solution for health insurance for Colorado realtors that agencies have been seeking.
What Are Healthshare Plans?
Healthshare plans are medical cost-sharing programs where members contribute monthly amounts into a common pool used to share eligible medical expenses. Popular options include Medi-Share, OneShare Health, and Aliera Healthcare.
These aren’t traditional health insurance, but they function similarly for practical purposes. Members receive ID cards, access nationwide provider networks, and get help with medical bills according to program guidelines.
The Financial Impact: Real Savings for Your Agents
The savings are dramatic and immediate:
Traditional Colorado Health Insurance:
- Individual: $650-850/month
- Family: $1,800-2,400/month
- High deductibles: $3,000-6,000
- Annual cost: $7,800-28,800
Healthshare Plans:
- Individual: $300-450/month
- Family: $900-1,400/month
- Lower sharing amounts: $1,000-2,500
- Annual cost: $3,600-16,800
Your agents save $4,200-12,000 annually while maintaining excellent care and nationwide networks.
Why Healthshare Works Perfectly for Colorado Real Estate Agents
Colorado realtors face unique healthcare considerations that healthshare plans address effectively:
Available Nationwide: Perfect for agents who travel or help clients relocate across state lines
Flexible Networks: Access to providers from Denver hospitals to mountain town clinics
Predictable Costs: Monthly sharing amounts stay consistent, unlike traditional insurance premium increases
The Business Impact: How This Transforms Your Agency
ColoHealth’s healthcare solution creates measurable business benefits for Colorado real estate agencies.
Agent Retention Improvements
Agencies partnering with ColoHealth typically see:
- 40-60% reduction in agent turnover within 18 months
- Increased agent satisfaction scores
- More agents willing to commit to full-time production
- Reduced recruiting costs as existing agents stay longer
Recruitment Advantages
Your agency gains powerful competitive advantages:
- Unique value proposition that differentiates from other agencies
- Ability to attract agents from companies without healthcare support
- Appeal to quality agents considering career changes from traditional employment
- Marketing advantage in agent presentations and recruiting materials
Revenue Growth Through Full-Time Commitment
When part-time agents go full-time due to healthcare solutions:
- Average agent production increases 3-5x
- Agency gross commission income grows substantially
- Higher-producing agents generate more referrals and repeat business
- Market presence and brand recognition improve
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Take Action: Solve Your Health Insurance for Colorado Realtors Challenge Today
Health insurance for Colorado realtors doesn’t have to be the obstacle that limits your agency’s growth potential.
ColoHealth has helped Colorado real estate agencies solve their biggest agent retention and recruitment challenge. By providing access to affordable healthcare alternatives, you can:
- Retain talented agents who might otherwise leave for traditional employment
- Attract quality agents from agencies that don’t offer healthcare support
- Convert part-time agents to full-time producers
- Differentiate your agency in competitive Colorado markets
- Grow revenue through improved agent retention and productivity
The solution exists, it’s proven, and it’s available for your Colorado agency today.
Don’t let another talented agent walk away because of health insurance costs. Don’t watch part-time agents stay part-time when they could be building substantial businesses with your agency.
Ready to solve your agency’s health insurance challenge and unlock your growth potential? Schedule a free consultation with one of our Colorado Personal Benefits Managers who specialize in real estate agency solutions, or call 800-913-6381 today.
Your agents need healthcare solutions. Your agency needs growth. ColoHealth delivers both.
For Further Reading:
Frequently Asked Questions
Can Colorado real estate agencies legally help contractors with health plans?
Yes, agencies can provide education and facilitate access to health insurance options while maintaining proper independent contractor classification. The key is ensuring agents pay their own premiums and participation remains voluntary.
What if a Colorado agent has pre-existing health conditions?
There are options available for agents with health issues. Some healthshare plans accommodate various health conditions after waiting periods, and ACA-compliant plans cannot deny coverage based on pre-existing conditions. We work with agents individually to find appropriate solutions.
What are the most affordable health insurance options for Colorado real estate agents?
Options vary by individual situation. ACA-compliant plans may offer subsidies for qualifying agents, while HSA-compatible high-deductible plans also provide cost savings plus Colorado tax advantages. But healthshare plans, which aren’t health insurance, often provide significant savings (30-50% less than traditional insurance).
Can part-time real estate agents get affordable health plans?
Yes, part-time agents have access to the same individual market options as full-time agents, including healthshare plans, ACA marketplace plans, and other alternatives that don’t depend on employment status.
Do healthshare plans work well for agents with families?
Yes, family healthshare plans often provide the greatest savings compared to traditional insurance, making them especially attractive for agents with spouses and children.
Misty Berryman is a Personal Benefits Manager at ColoHealth. Her aim is to help you make smart and informed healthcare coverage decisions that will fit your needs and budget. Read more about Misty on her Bio page.
