GMAR is excited to introduce Upfront. An exclusive benefit available only to GMAR members!
Your Safety. Your Health. Your Success.
GMAR works for you on every front. Now we're protecting the thing your business runs on: you.
Upfront is one more way GMAR has your back, at home and in the field.
Our new partnership with Upfront makes affordable, guaranteed-issue group health plans easily accessible for you as an independent contractor.
WHAT YOU GET
- Group pricing, not individual rates. Access large-group pricing on plans from top-tier carriers.
- Everything in one place. Medical, dental, vision and term life coverage, side by side.
- Enroll any month. No open-enrollment window to miss. Coverage when you need it.
- Built for 1099 professionals. Plans and tools designed for self-employed agents, brokers and small teams.
- Cover your family. Options for you, your spouse and your dependents.
WHO CAN ENROLL
Every GMAR member in good standing can use Upfront. That includes independent agents, broker-owners and their teams, and our Strategic Partners. Medical plans are available to members ages 18 to 65. There are no income limits and no minimum participation requirements.
GMAR Healthcare Portal Enrollment and Pricing - Watch Video
HAVE QUESTIONS?
Join us for one of these informational webinars to learn more about the health coverage options available exclusively to GMAR members. We’ll review how Upfront provides access to group-rate medical, dental and vision coverage through one easy-to-use platform, why it’s especially valuable for REALTORS® who are independent contractors, and how you can explore plans that fit your needs. Best of all, platform access is FREE with your GMAR membership, and eligible members can enroll any time throughout the year.
Whether you're looking for coverage for yourself or your family, this is a great opportunity to learn more about a valuable member benefit!
November 17, 2026 | 3:00 p.m. - 3:30 p.m.
December 2, 2026 | 9:45 a.m. - 10:15 a.m.
December 8, 2026 | 1:30 p.m. - 2:00 p.m.
WHAT IS UPFRONT?
Upfront is a new GMAR member benefit that provides access to large group pricing on comprehensive health insurance plans - including medical, dental, vision and more - from top tier providers
They offer ACA- compliant plans, all in one place with year round enrollment - so you can enroll when you are ready - without special deadlines.
Why does this matter? You get affordable coverage, offering comparable pricing to big-company plans. You also get peace of mind, knowing you and your family are protected. All as part of your GMAR membership!
WHO IS ELIGIBLE?
All active GMAR members in good standing are eligible to access Upfront’s health insurance solutions.
This includes:
- Self-employed REALTORS®
- Independent contractors
- Small brokerage owners and their teams
- Strategic Partner members
There are no income limits, no minimum participation requirements, and no special enrollment windows—rolling enrollment is available year-round.
Eligibility is based on age: medical plans are available for members ages 18–65. For members aged 65 and older, dental and vision plans are available.
HOW MUCH DOES COVERAGE COST?
Access to the Upfront platform is included as a benefit of your GMAR membership. This provides access to large group pricing on comprehensive health insurance plans.
There may be a one-time sign up fee which varies, as low as $25 up to $125 for complete bundles at the time of registration with Upfront.
IS COVERAGE AVAILABLE WITH PRE-EXISTING CONDITIONS?
Depending on the plan you choose and your medical history, Upfront may cover certain pre-existing conditions.
HAVE MORE QUESTIONS OR NEED HELP CHOOSING A PLAN?
The fastest way to get your questions answered is emailing Upfront at health@myupfront.com
CLICK HERE TO LEARN MORE & ENROLL
Upfront is an independent benefits platform. GMAR does not sell, underwrite or endorse any specific insurance plan. Plan availability, pricing and eligibility are set by Upfront and participating carriers.