As a 1099 agent, you're on your own for health coverage. Bukaty Companies helps you find plans that beat the Marketplace on price — without sacrificing the coverage you actually need.
ACA Marketplace plans are a fine default — but for 1099 real estate agents with variable income, they're often more expensive and less flexible than alternatives. Most agents don't realize there are better options until someone actually shows them.
Bukaty Companies specializes in finding those alternatives. We look at your actual situation — income, household, health needs — and find plans that make sense for real estate professionals, not just employees with W-2s.
Marketplace premiums are often higher for self-employed individuals, especially as income increases. There are group-access options most agents never hear about.
Many agents don't know what their plan actually covers until they need it. A quick review catches gaps in deductibles, out-of-pocket maximums, and network limits.
Marketplace plans come with a 1-800 number. Bukaty gives you a real consultant who knows your plan, your situation, and the Kansas City market.
Switching firms shouldn't mean losing your insurance. The right individual plan stays with you no matter where you hang your license.
We review your current plan (if you have one) and flag anything that could leave you exposed. No jargon, just plain answers.
We have access to plans and pricing structures most agents never see on healthcare.gov. The savings can be significant.
We work with agents and brokerages across Missouri and Kansas every day. We understand commission income, 1099 status, and what real estate professionals actually need.
Brokers who connect their agents with Bukaty see fewer coverage crises, less turnover due to benefits concerns, and more consistency across their team.
Questions at renewal? Something changed in your life? You call one person who knows your history — not a call center starting from scratch.
| What matters to you | Bukaty Companies | ACA Marketplace (DIY) |
|---|---|---|
| Plan options for 1099 / self-employed | Multiple, including group-access plans | Standard individual plans only |
| Cost vs. Marketplace | Often lower — sometimes significantly | Baseline / typically higher for self-employed |
| Coverage gap review | ✓ Included, at no cost | ✗ You're on your own |
| Dedicated local consultant | ✓ One person who knows your plan | ✗ 1-800 number, no continuity |
| Understands real estate income patterns | ✓ We specialize in it | ✗ Generic approach |
| Plan portability across brokerages | ✓ Your plan, yours to keep | ⚠ Varies — re-enrollment risk |
| Local Missouri & Kansas expertise | ✓ KC metro & statewide | ✗ National platform, no local context |
Takes about 2 minutes. Just the basics — name, state, current situation.
A real person calls you back — usually same or next business day. No scripts, no pressure.
We show you what's available, what it costs, and how it compares to what you have now.
No obligation, no hard sell. If it makes sense, we help you enroll. If not, no problem.
We have a full library of plan documents, rate sheets, and enrollment guides — all of which are walked through personally during your free consultation. Here's one overview to give you a feel for what's available:
A free coverage review takes less than 10 minutes and could save you thousands per year.
Get My Free Coverage Review