Health insurance for real estate brokerages in Colorado
A real estate brokerage in Colorado 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 Colorado runs from $40,560 for front-desk staff to $103,790 for property managers. These are the Colorado numbers for both.
Your own premium in Colorado
Colorado runs its own marketplace, Connect for Health Colorado, so county prices come from the state rather than the federal data this site is built on. The average benchmark Silver plan for a 40-year-old in Colorado costs $557 a month in 2026, and above $62,600 of income for one person, or $128,600 for a family of four, there is no subsidy to bring it down. Cigna is leaving Colorado’s marketplace for 2027. Insurers have filed an average 13.4% increase for 2027, before regulators sign off.
What you pay as the owner is deductible on Form 7206.
What your staff earn in Colorado, and what an ICHRA has to cover
| Role | Colorado median pay | Most they can be asked to pay, self-only |
|---|---|---|
| Transaction coordinators and admin (BLS: secretaries and administrative assistants) | $47,430 | $394/mo |
| Property managers (BLS: property, real estate and community association managers) | $103,790 | $861/mo |
| Front-desk staff (BLS: receptionists) | $40,560 | $337/mo |
BLS May 2024 medians for employees in Colorado; 9.96% of pay is the 2026 affordability line.
- Transaction coordinators and admin, $47,430 a year. They can be asked to pay at most $394 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $394 is what an ICHRA has to fill.
- Property managers, $103,790 a year. They can be asked to pay at most $861 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $861 is what an ICHRA has to fill.
- Front-desk staff, $40,560 a year. They can be asked to pay at most $337 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $337 is what an ICHRA has to fill.
What a QSEHRA covers in Colorado
The 2026 ceiling is $6,450 a year self-only, or $537.50 a month — 96% of Colorado’s $557 benchmark for a 40-year-old. The $13,100 family ceiling, about $1,092 a month, goes further only where family premiums are lower than average.
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; 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 Colorado?
About $557 a month for a 40-year-old on the average benchmark Silver in Colorado 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 Colorado reimburse staff for individual health insurance?
Yes, through a QSEHRA (up to $6,450 self-only in 2026) or an ICHRA with no cap; the employer sets the amount by class of employee, and it has to clear the 2026 affordability test for each employee.