Monday, December 5, 2022
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NAR Well being Insurance coverage Progress Report

In response to NAR member surveys, almost two-thirds of the membership get hold of their medical insurance protection by a partner’s employer-sponsored well being plan, Medicare, or a well being plan bought within the Inexpensive Care Act’s (ACA’s) particular person market. Ten to fifteen p.c, nevertheless, stay uninsured.

NAR has long-advocated for inexpensive, prime quality medical insurance choices to be out there to actual property professionals. This contains our continued advocacy to vary Federal legislation to permit self-employed people to take part in Affiliation Well being Plans (AHPs). NAR can also be a founding member of a broad trade coalition working (1) to guard and promote AHPs underneath Federal and State legal guidelines and (2) to determine inexpensive medical insurance alternate options for small employers and self-employed people alike. 

Under is a progress report on NAR’s continued efforts to battle for entry to prime quality, low price medical insurance choices. Additionally mentioned is exercise amongst state and native REALTOR® associations and up to date efforts undertaken by Congress and the Biden Administration to extend and broaden the ACA’s premium subsidies.

Federal AHP Efforts

In June 2018, the Division of Labor (DOL) issued Federal laws that might have allowed self-employed people to entry well being protection by AHPs. Sadly, in March 2019, a U.S. District Court docket invalidated these laws stopping self-employed people from additional enrolling in AHP plans.

Regardless of this very disappointing setback, NAR’s coalition has continued to vigorously advocate within the Courts, Congress and the Administration to reinstate the rule. Most lately, NAR submitted testimony earlier than the Congressional Wholesome Future Process Drive on how AHPs could make well being care extra inexpensive for actual property professionals. We have now additionally been highlighting NAR’s 2022 member survey that includes the place protection gaps live on. 

Offering entry to extra inexpensive well being protection additionally continues to be a prime NAR speaking level with members of Congress and candidates heading into the mid-term elections this 12 months. NAR’s coalition is already gearing up for 2023 after we might be re-engaging the Administration and dealing with a brand new Congress to enact laws to permit self-employed people to hitch AHPs.  Please keep tuned.

State & Native Exercise

NAR continues to help state and native affiliation efforts to determine further medical insurance choices for members. In some circumstances, state/native Associations are working with brokers and brokers to enroll members in an ACA-compliant particular person market plan by an ACA Trade or outdoors of an Trade.  Different associations enable brokers and brokers to market non-ACA-compliant plans and/or short-term medical or different restricted profit plans.  Extra lately, a number of associations are exploring whether or not their members can entry a well being plan sponsored by a labor union or a well being plan provided by a captive insurance coverage association.  In every of those circumstances, associations are assessing the advantages out there and related authorized dangers with offering such advantages to members, with NAR’s assist as wanted.


NAR will proceed to vigorously advocate for high-quality, low-cost medical insurance choices – whether or not by AHPs, underneath the ACA, or qualifying underneath State legal guidelines. Along with the broad trade coalition, we are going to proceed to work with Congress, the Administration, and thru the courts to signify NAR members on a prime member precedence.

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