Health insurance for real estate brokerages in Alabama
A real estate brokerage in Alabama is usually shopping for two things at once: the owner’s own policy, which pays full price above $62,600 of income this year, and some way to help staff whose median pay in Alabama runs from $30,900 for front-desk staff to $56,190 for property managers. These are the Alabama numbers for both.
Your own premium in Alabama
The average benchmark Silver plan for a 40-year-old in Alabama costs $645 a month in 2026. Across Alabama’s 67 counties the median lowest-cost Silver at 40 is $634 and a family of four pays $1,897, which above $128,600 of household income is the price. Four insurers sell here. Final 2027 rates in Alabama are an average 20.7% higher.
What you pay as the owner is deductible on Form 7206.
What your staff earn in Alabama, and what an ICHRA has to cover
| Role | Alabama median pay | Most they can be asked to pay, self-only | Least monthly ICHRA to pass the 2026 test* |
|---|---|---|---|
| Transaction coordinators and admin (BLS: secretaries and administrative assistants) | $40,200 | $334/mo | $300/mo |
| Property managers (BLS: property, real estate and community association managers) | $56,190 | $466/mo | $167/mo |
| Front-desk staff (BLS: receptionists) | $30,900 | $256/mo | $377/mo |
BLS May 2024 medians for employees in Alabama; 9.96% of pay is the 2026 affordability line. *Against Alabama’s median lowest-cost Silver for a 40-year-old, $634.
- Transaction coordinators and admin, $40,200 a year. The most they can be asked to pay is $334 a month, or $4,004 a year; an ICHRA has to put in at least $300 a month.
- Property managers, $56,190 a year. The most they can be asked to pay is $466 a month, or $5,597 a year; an ICHRA has to put in at least $167 a month.
- Front-desk staff, $30,900 a year. The most they can be asked to pay is $256 a month, or $3,078 a year; an ICHRA has to put in at least $377 a month.
A full $537.50 QSEHRA leaves $96 of the $634 plan, inside every one of those limits, so none of them would qualify for a premium tax credit on top of it.
One of each on staff: the cheapest ICHRA that passes for all three costs about $10,136 a year in Alabama, against up to $19,350 for three full self-only QSEHRAs.
What a QSEHRA covers in Alabama
The 2026 ceiling is $6,450 a year self-only, or $537.50 a month — 83% of Alabama’s $645 benchmark for a 40-year-old. The $13,100 family ceiling, about $1,092 a month, covers 58% of the Alabama median family-of-four lowest-cost Silver of $1,897.
Who a real estate brokerage can and cannot cover
Licensed agents paid on commission are statutory nonemployees, so the brokerage cannot cover them through a QSEHRA or ICHRA; W-2 staff it can. The full rules for real estate brokerages cover partners, 2% shareholders and contractors in detail.
Sources: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024; KFF, Marketplace Average Benchmark Premiums, 2026; CMS plan year 2026 Qualified Health Plan landscape (county premiums); IRS Publication 15-B (2026), Employer’s Tax Guide to Fringe Benefits; HealthCare.gov, CHOICE Arrangements (formerly individual coverage HRAs).
Questions owners ask
How much does health insurance cost the owner of a real estate brokerage in Alabama?
About $645 a month for a 40-year-old on the average benchmark Silver in Alabama in 2026, with no subsidy above $62,600 of income for one person or $128,600 for a family of four.
Can a real estate brokerage in Alabama reimburse staff for individual health insurance?
Yes, through a QSEHRA (up to $6,450 self-only in 2026) or an ICHRA with no cap; for transaction coordinators and admin earning the Alabama median of $40,200, an offer of at least $300 a month passes the 2026 affordability test against the state’s median lowest-cost Silver at 40.