Health insurance for real estate brokerages in Indiana
A real estate brokerage in Indiana 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 Indiana runs from $35,760 for front-desk staff to $61,160 for property managers. These are the Indiana numbers for both.
Your own premium in Indiana
The average benchmark Silver plan for a 40-year-old in Indiana costs $474 a month in 2026. Across Indiana’s 92 counties the median lowest-cost Silver at 40 is $467 and a family of four pays $1,493, which above $128,600 of household income is the price. Five insurers sell here. Cigna and CareSource are leaving Indiana’s marketplace for 2027. Final 2027 rates in Indiana are an average 17.1% higher.
What you pay as the owner is deductible on Form 7206.
What your staff earn in Indiana, and what an ICHRA has to cover
| Role | Indiana 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) | $41,090 | $341/mo | $126/mo |
| Property managers (BLS: property, real estate and community association managers) | $61,160 | $508/mo | none needed |
| Front-desk staff (BLS: receptionists) | $35,760 | $297/mo | $170/mo |
BLS May 2024 medians for employees in Indiana; 9.96% of pay is the 2026 affordability line. *Against Indiana’s median lowest-cost Silver for a 40-year-old, $467.
- Transaction coordinators and admin, $41,090 a year. The most they can be asked to pay is $341 a month, or $4,093 a year; an ICHRA has to put in at least $126 a month.
- Property managers, $61,160 a year. The most they can be asked to pay is $508 a month, or $6,092 a year; any ICHRA passes the test.
- Front-desk staff, $35,760 a year. The most they can be asked to pay is $297 a month, or $3,562 a year; an ICHRA has to put in at least $170 a month.
A full $537.50 QSEHRA covers the whole $467 plan, 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 $3,552 a year in Indiana, against up to $19,350 for three full self-only QSEHRAs.
What a QSEHRA covers in Indiana
The 2026 ceiling is $6,450 a year self-only, or $537.50 a month — more than all of Indiana’s $474 benchmark for a 40-year-old. The $13,100 family ceiling, about $1,092 a month, covers 73% of the Indiana median family-of-four lowest-cost Silver of $1,493.
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 Indiana?
About $474 a month for a 40-year-old on the average benchmark Silver in Indiana 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 Indiana 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 Indiana median of $41,090, an offer of at least $126 a month passes the 2026 affordability test against the state’s median lowest-cost Silver at 40.