Brokerage upstart ENRG Realty is adding nationwide health insurance access for its agents, the cloud-based firm announced Monday, expanding its pitch to recruits beyond commission splits, technology and revenue-sharing opportunities.
Erinn Nobel
ENRG confirmed to Inman that its agents now have access to medical, dental and vision insurance through Upfront, an embedded-finance platform serving residential real estate. The Seattle-based company said the plans are ACA-compliant, run through national PPO networks and are available year-round with no waiting period or annual open-enrollment window.
“An agent can’t successfully build a business, grow a team or take care of clients if they’re worried about their own health first,” ENRG co-founder and President Erinn Nobel said in the news release. “We want our agents to have health insurance. Plain and simple.”
The offering addresses a persistent challenge for real estate agents, most of whom work as independent contractors and generally do not receive employer-sponsored benefits. In announcing the offering, ENRG cited National Association of Realtors data indicating that 10 percent to 15 percent of NAR members have no health insurance.
When asked about specifics, an ENRG spokesperson told Inman that agents enroll through Upfront’s self-service platform, where they can compare plans and pricing. Agents pay the full cost of coverage and remain independent contractors. The plans are not employer-sponsored health insurance administered by the brokerage.
For brokerages, benefits offer another potential recruiting and retention tool at a time when companies are competing for productive agents with increasingly elaborate combinations of commission plans, revenue sharing, equity and technology. Adding health coverage gives ENRG a way to differentiate its agent offering beyond the financial and technology incentives that have become common among cloud-based brokerages.
ENRG was launched in 2024 by husband-and-wife duo Peter and Erinn Nobel, who previously held leadership roles at eXp Realty and later served as executives at The Real Brokerage. The quickly expanding company offers agents an 85/15 commission split with a $15,000 annual cap, along with revenue sharing, equity awards and a suite of technology products.
Editor’s note: This story was updated after publication with additional details about ENRG’s health insurance offering. Agents pay the full cost of coverage and remain independent contractors. The plans are offered through Upfront’s platform and are not employer-sponsored health insurance administered by ENRG.
