GARE Health Benefits Center

Business Owner? Self-Employed? 1099 Contractor?


Healthcare costs continue to increase but going without insurance isn’t a viable option, especially during the COVID-19 pandemic. Seeking out affordable rates is a must.

Georgia REALTORS® is proud to announce that after many months of pursuit, there is now an alternative to the ACA public exchange and private individual insurance. With the Georgia Real Estate Health Benefits Center, a health solution designed exclusively for GAR members, you and your dependents may qualify for affordable coverage that sources the best care possible and fits with your financial picture. The Georgia Real Estate Health Benefits Center provides individuals and their families greater buying power for health insurance by combining the size and scale of the 44,000 members of Georgia REALTORS® and treating this group of individuals like a large employer. 

The Georgia Real Estate (GARE) Health Benefits Center will be open for quoting and ready to provide you and your families with plans and rates the week of November 30, 2020. 

We recognize that the time to select your 2021 coverage is now. The ACA public exchange is now open through Tuesday, December 15, 2020. Whether you’re still looking or have already selected your health insurance plan for 2021, take a few minutes to see if you qualify for a health solution through the Georgia Real Estate Health Benefits Center when the site goes live – you could save significantly versus plans available on the open market. Individuals and their families are eligible to make changes to their 2021 health insurance plan on the exchange in Georgia until open enrollment closes on Tuesday December 15, 2020. Don’t commit until you’ve had a chance to compare!

Frequently Asked Questions

How are you able to offer such great rates?  Georgia Real Estate Health Benefits Center harnesses the size and scale of the 44,000 members of Georgia REALTORS® to lock in savings for members and their families in good health.

Who qualifies for this program?  Business Owners, Sole Proprietors, Independent Contractors and their families are eligible to participate in this program. Employees  are not eligible for this program, unless they are also independent contractors; they should apply separately. Please Note: To be eligible for this program you must have a legal business entity in the form of a Tax ID. If you do not have one click here for more information. This allows you to participate as an ‘employer of one’, which is a requirement of the plan.

How is this plan different from other insurance plans? The GARE Health plan is a captive insurance program. This means as an insured member you have ownership in the program. Members self-insure their healthcare costs up to a pre-established level. If claims are low the savings goes toward the program – resulting in potential saving for the next coverage year. If claims are high, the program is protected by “stop-loss insurance”.  Stop-loss coverage caps your maximum exposure. Part of your monthly payment includes stop-loss insurance.

What does my payment include? Each month you make a payment that covers the fixed costs of your plan: The health insurance premium, stop-loss insurance, technology, administrative and sales fees. This monthly payment is fixed for the full year . 

What is my commitment?  Your commitment to the program is for the full coverage year.  When you enroll, you will need to complete and return the following documents: medical reimbursement, joiner agreement and plan document. 

How do I get started? Links for enrollment will go live the week of November 30.