Most brokerages can't offer healthcare to 1099 agents. With Upfront Care, you can. Broker-branded enrollment, no employer mandate, no admin burden. Your agents get W-2 quality plans. You get a recruiting and retention advantage no competitor can match.
Your success depends on closing deals — but most agents are 1099s with no obvious path to coverage. Upfront Care brings the same agent-first approach we built for cash flow to healthcare. Year-round enrollment, no medical exams for supplemental benefits, plans that don't penalize you for being self-employed.
Get coverage when you need it — not in November. No annual open-enrollment window, no waiting periods, no special-circumstance affidavits.
Supplemental benefits — dental, vision, accident, critical illness — issued without a medical exam. Existing conditions don't disqualify you.
Group-style pricing through your brokerage — usually well below what an independent agent finds on the public marketplace, with the same provider networks.
Plans run on the same nationally recognized PPO networks W-2 employees use — your existing doctors, hospitals, and specialists are almost always in-network.
Beyond medical, the supplemental benefits that quietly matter most when you're self-employed — dental, vision, life, critical illness, even pet — bundled into one enrollment.
We partner directly with brokerages to make Care available to teams and agents — at no cost to the brokerage. A few clicks to enroll, and the support you'd expect from a real benefits team.
Offer Care to your agents →Standard agreement, no infrastructure changes. Goes live for your agents in days.
Browse tiers, pick a plan, complete enrollment from any device. No paperwork hand-off.
Cards issued, providers in-network, claims handled. Same support team for agents and ops.
Healthcare benefits designed around how a real estate professional actually works — irregular income, busy weekends, no HR department.
Nationwide PPO networks. Move markets, switch states, keep your plan.
Individual agent, team leader, brokerage — same plan structure flexes to fit.
No paperwork chase. No 30-day waits. No "talk to your HR." A real human team for the questions that aren't on the FAQ.
From early commission access to retirement to coverage, Upfront is your full financial partner. When your income fluctuates with the market, having reliable healthcare and predictable cash flow is what lets you stay focused on growing your business — not patching it.
Yes — that's exactly what Upfront Care was built for. Most brokerages can't offer benefits to independent contractors. With Care, you can offer W-2 quality health plans through your brokerage with no employer mandate, no admin burden, and zero infrastructure changes.
Three out of four agents say healthcare access influences which brokerage they choose. That makes it a recruiting tool, not just a benefit.
Three medical tiers — MVP (6 hospital visits/year plus unlimited preventive), Virtual (unlimited virtual plus in-office preventive), and Full PPO (national PPO network). Plus add-on coverage for dental, vision, life, critical illness, accident, and even pet insurance.
Plans run on nationally recognized PPO networks — same providers W-2 employees use. Coverage in all 50 states.
No. Upfront Care offers year-round enrollment — agents can sign up by the 21st of any month for next-month coverage. No waiting for November, no special-circumstance affidavits. You need coverage? You get coverage.
Supplemental benefits — dental, vision, accident, critical illness — are guaranteed issue, meaning no medical exam and no disqualification for existing conditions. For primary medical plans, standard marketplace eligibility applies.
Sign a standard agreement — no infrastructure changes, no admin overhead. Upfront handles enrollment, claims, and agent support. The plans are broker-branded (your colors, your domain), so your agents see it as your benefit, not a third-party product.
Nothing. Care is deployed at no cost to the brokerage. Agents pay their own premiums — typically well below what they'd find on the public marketplace — and the brokerage gets a recruiting and retention advantage without adding a line item to the budget.
Tell us about your brokerage — agent count, current benefits, what you're trying to solve. We'll come back with a deployment plan and a sized model.