A smarter way for independent business professionals to manage healthcare costs.

The Kentucky REALTORS® Benefits Center offers multiple options for health coverages designed exclusively for self-employed small business owners.

Alternative to private and exchange plans
Major medical model plan designs; HSA eligible options
Dental, Vision, Accident, Critical Illness, Hospital Indemnity and Life plans available
National PPO networks available, or go to any doctor/facility
Cost may be business tax deductible
(always confirm with tax professional)
Secure online enrollment platform – enroll when it’s convenient for you!

View Our Unlocking Affordable Health Benefits Webinar

Take control of your healthcare costs.

Self-employed Kentucky Realtors now have an alternative to private and exchange plans. When you establish a self-funded plan for your business of one, you and your dependents can get great care and save money.

Eligibility and Requirements

Business Owners may establish their own health plan for themselves and their dependents.
Business must have a Federal Tax ID.
Kentucky Realtors must have an NRDS number and Real Estate license to qualify.
For the Vault Captive Product, applicants must answer a short medical questionnaire to screen for major medical issues and must have BMI under 40. Want more details? See FAQs

Select a Product to Learn More

UnitedHealthcare® Group Medicare Advantage Plan

Over 65? UnitedHealthcare® is excited to offer its Medicare Advantage Plan to Kentucky REALTORS® retirees. Fill out the form to learn more!

See What People Are Saying

“This is a PSA for all my fellow Georgia Realtors: you MUST check out the Health Insurance offering that GARE just rolled out!! I just completed my application and will be saving OVER $200 per month with a much lower deductible that, once met, will then provide 100% coverage. It definitely can’t hurt to see if you qualify. #garealtors #healthinsurance” – Dorrie Johnson Love – Related program by Georgia REALTORS®

“My family and I are on a catastrophic plan with Liberty Health Plan. It is expensive and does not cover any of our regular healthcare needs or associated costs. I will pay about $140.00 more a month on GARE Health Plan – it’s well worth it as I can’t forgo the opportunity to have an affordable major medical plan. I’ve not been able to afford one the last couple of years -nor could I take the risk of not having it, especially with an active 14-year-old son who plays sports!” – Related program by Georgia REALTORS®

Steps to Establish Plan

View model plan designs and calculate costs.

Create an account to start the process.

Once approved, sign contracts and establish plan.

Our Partners

Have Questions?

View FAQs