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The National Association of REALTORS® is working diligently to ensure self-employed real estate professionals have access to better health insurance options through Association Health Plans (AHPs). While barriers to a national AHP option remains, particularly in the form of recent federal litigation setbacks, NAR continues to advocate for federal clarity and support the broad adoption of AHPs locally.
Background & Foundational Support
Fundamentals on the AHP final rule, litigation, and recently issued supporting materials, including the Department of Labor's (DOL's) response to the U.S. District Court's decision.
- NAR Overview of DOL AHP Rule
- Department of Labor Resources
- Litigation Resources
- NAR Action
A map and state tracking chart provide an overview of state laws and regulations related to AHPs and the treatment of independent contractors.
Legal Insight & Analysis
A template letter that can be modified and sent to state insurance commissioners seeking clarity on AHP laws and regulations in your state with a supplemental legal interpretation of the associated federal rules to support the requests.
- Template letter to state insurance commissioners with supplemental legal analysis on federal AHP related rules
- Supplemental legal analysis
Op-Ed and press release templates help highlight association efforts in advocating for and exploring the viability of an AHP.
- Op-ed template - Insurance commissioner outreach
- Press Release templates
- Support for AHPs
- Key association meetings (coming soon)
Legislative and Regulatory Review
NAR staff are available to assist in reviewing state legislative and regulatory proposals, including drafting insight. NAR staff also have outside legal and policy expert contacts to potentially help with this review.
National NAR data on the health needs of REALTOR® members used to support justification for AHP implementation.
- NAR 2020 Health Insurance Survey and Highlights
- NAR 2019 Health Insurance Survey (PDF: 823 KB)
- NAR 2019 Health Insurance Survey Highlights
- NAR 2018 Health Insurance Survey (PDF: 772 KB)
- NAR 2018 Health Insurance Survey Highlights
NAR Federal Policy Resources
A compilation of NAR's Federal Advocacy efforts for use in showcasing the national push to secure AHPs as a member benefit option.
- NAR Meets with DOL and Industry Stakeholders on AHPs
- NAR Meets with DOL to Pave Path for Future of AHPs
- NAR Defends AHP Rule in Appeal of District Court Decision
- NAR Engages White House in Defense of AHPs
- NAR Letter to DOJ Requesting Appeal of District Court Decision
- NAR Comments to Congress Defending AHPs
- NAR's Coalition Amicus Brief in Support of DOL AHP Rule
- NAR Helps Found AHP Coalition
- NAR Testifies in Support of AHPs Before Congress
- NAR Submits Comments in Support of AHP Rule to DOL
Model State Law
A summary of and model state law to modify for potential implementation of AHPs allowing for inclusion of independent contractors in a given region.
State and Local Association Success Stories
Several state and local associations have already benefited from NAR’s support, with a number of AHPs providing new and affordable benefits. Countless additional associations are also exploring AHP options but have been delayed due to uncertainty surrounding the federal litigation and other local hurdles.
- REALTOR® Support for AHPs Grows Nationally
- REALTORS® Tell White House to Support AHPs
- The Path Toward REALTOR® Association Health Care
Upon request, NAR Staff can also provide:
- Access to federal health benefit legal experts.
- Connections to insurance provider contacts.
- Recommendations for local health benefits attorneys.
Stay tuned to Topic: Health Care Reform for the latest information.