Smiling nurse in blue scrubs helping a patient in a wheelchair

For travel nurses · Licensed in 30+ states

Health insurance
for travel nurses.

Health coverage for you and your family between contracts, across state lines, or in place of an agency plan. This page is about your own health plan, not malpractice insurance.

Private & Secure
Fast Response
No Spam Calls

Sound familiar?

New city. New contract.
Same need for coverage.

You take care of patients everywhere. Your own coverage should not fall through the cracks. Three common questions:

I work in a different state every few months.

HealthCare.gov says HMO plans generally won't cover care outside their network, except in an emergency. Some ask you to live or work in their service area. So the plan type matters when you move around.

I have gaps between contracts.

Losing job-based or other qualifying health coverage, or expecting to lose it in the next 60 days, can open a special time to sign up. Dropping a plan on your own or not paying the bill does not count. COBRA may let you keep a job plan for a while, but you may pay up to 102% of the cost.

Should I take the agency plan?

Maybe. Compare it first. If you can get a job-based plan, you usually can't get Marketplace tax credits. Check the doctors and hospitals where you will work, and ask a tax pro about stipends.

Nurse in scrubs checking a patient's blood pressure in a hospital room

Nursing by the numbers

Nurses are needed
all over the country.

Job data for registered nurses from the U.S. Bureau of Labor Statistics, plus licensing and coverage rules. These numbers cover all RNs, not only travel nurses.

$97,550

was the median yearly pay for registered nurses in May 2025, for all RNs, travel or staff.

3.47 million

registered nurse jobs in the U.S. in 2025, with about 180,800 openings a year expected.

59%

of registered nurses work in hospitals. Hospital nurses may work nights, weekends, and holidays.

states and territories are part of the Nurse Licensure Compact, which lets many nurses work across state lines.

60 days

is the usual window to sign up for a new plan after you lose coverage.

+6%

job growth is expected for registered nurses from 2025 to 2035.

Sources: BLS Occupational Outlook Handbook, registered nurses (May 2025 pay, 2025–2035 outlook); NCSBN Nurse Licensure Compact (43 jurisdictions, checked Oct 1, 2026); HealthCare.gov special enrollment period page (60-day window, checked Oct 1, 2026). Pay numbers are national. Your price for a plan depends on your age, zip code, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed help with
coverage on the road.

We are an independent agency based in Central Florida, and Paul is licensed in 30+ states. For travel nurses, we start with where you live, not only where you work. We compare Marketplace plans, where tax credits may apply, with your agency plan, COBRA, and nationwide private PPO options. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Your nursing license may cross state lines through the compact. A Marketplace plan does not. When you move to a new state, you can't keep your Marketplace plan. You apply again in the new state. We help you plan for that.

Straight answers between shifts, no pressure
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

How it works

Three steps, one short call.

Tell us where you live and work

Share your home state, your next assignments, ages, and a full-year income guess.

We check your options

Marketplace help first, then your agency plan, COBRA, and private PPO options side by side.

Compare and pick

See doctors and hospitals checked in the places you plan to work. You choose.

Book a 15-minute call

Free · No obligation · About 15 minutes

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What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

Coverage that fits
a life on the road.

Pick a plan with a small local network, and care on assignment may cost more or not be covered. A high-paying contract can also push your income past your guess, and you may have to pay back some of your tax credit. As of October 1, 2026, under current law, there is no cap on that payback, starting with 2026 taxes. By the end of our call, you will have:

A plan type that fits where you work
Agency, COBRA, Marketplace, and private options side by side
Doctors and hospitals checked in your next locations
A plan for the gaps between contracts

Straight answers

Travel nurse health insurance questions.

Can I keep my Marketplace plan when I move to a new state?

No. HealthCare.gov says that when you move to a new state, you can't keep your plan. You fill out a new application in the new state. A permanent move can open a special time to sign up if you had qualifying coverage for at least 1 day in the 60 days before. Moving only for medical care or a vacation does not count. Tell us your plans, and we will go over the rules with you.

What happens to my coverage between contracts?

If your agency plan ends, that can open a special time to sign up for a new plan. You can apply up to 60 days before or after you lose coverage. COBRA is another choice. It generally applies at employers with 20 or more workers, and you may pay up to 102% of the cost.

Which plan type fits travel?

It depends on where you work. HealthCare.gov says HMOs and EPOs generally cover care outside their network only in an emergency. PPOs let you see doctors outside the network for an extra cost. We check networks in the places you plan to work.

Will I qualify for a tax credit?

It depends on your household. As of October 1, 2026, the extra tax credit help of past years has ended. Under current law, Marketplace tax credits are generally for household incomes from 100% to 400% of the poverty line. For 2027 plans, 400% is about $63,840 for one person or $132,000 for a family of 4, based on the 2026 poverty guidelines. An agency offer of health coverage usually rules out the credit too.

What is a tax home? Does it change my health plan?

The IRS says your tax home is generally the city or area of your main place of work. If you have no main place of work, it may be where you regularly live. It matters for how travel pay and stipends are taxed, so ask a tax pro. We don't give tax advice. For health coverage, we look at the state where you live.

Does this cover malpractice?

No. This page is about personal and family health insurance. Malpractice coverage is separate. Your agency or a professional liability agent can explain it.

Who do you work with?

Travel nurses and their families, from first contracts to long-time travelers. Turning 65 or already on Medicare? We help with Medicare too.

Licensed in 30+ states

Get covered before
your next contract.

Book a free 15-minute call between shifts, or start a quote online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page is about personal and family health insurance. It is not malpractice or business insurance. Job and pay numbers are from public data and describe groups of workers, not you. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Health insurancefor travel nurses.

New city. New contract.Same need for coverage.

Nurses are neededall over the country.

Licensed help withcoverage on the road.