Travel nurses and per diem nurses

Health insurance for travel and per diem nurses.

Contracts end, agency plans have waiting periods, and per diem shifts rarely come with benefits. We compare PPO and Marketplace plans that stay yours between assignments.

Call 754-280-1119

5.0 rating · 26 Google reviews

Quote

Get your quote

Enter your ZIP code to see plans in your area.

ZIP code

We'll call to go over your options.

What's different for you

Buying insurance as a travel or per diem nurse

You move between contracts, units and sometimes states, and your employer changes while your health does not. That makes gaps in coverage and doctor networks the two things to plan around.

We compare plans with your real schedule in mind, and check that your doctors are covered where you live and work.

A smiling nurse in blue scrubs holding a stethoscope in a hospital corridor

Gaps between contracts

Agency plans can start after a waiting period and usually end when the assignment does. A plan you buy yourself stays in place between contracts as long as you pay the premium.

Per diem means no benefits

Per diem and PRN shifts often do not come with employer coverage. We look at plans that fit variable hours and income that changes from month to month.

Networks across locations

If you work in different places, a broader PPO network may matter more than a low premium. Marketplace plans are generally tied to the state you live in, so we check where your doctors are.

Two main options

Marketplace or private PPO?

Most nurses buying their own plan choose between two kinds. They work differently, and we compare both for your situation.

ACA Marketplace plans

Accept everyone regardless of health history, cover a standard set of benefits, and can come with premium help that depends on your income.

Private PPO plans

Often have broader doctor networks and some options with no deductible. They ask health questions and can limit or exclude coverage. Some aren't ACA-compliant, so we go through exactly what's covered.

Questions

Common questions

Can I keep my plan between assignments?

A plan you buy yourself generally stays in place as long as you pay the premium, no matter when a contract starts or ends. Agency plans usually end with the assignment.

Do per diem nurses get health insurance from the hospital?

Often not. Per diem and PRN nurses frequently do not qualify for employer coverage, depending on hours and the employer, so many buy their own plan.

Which plan works if I travel for work?

It depends on where you live, where you work and where your doctors are. PPO plans often have broader networks, and Marketplace plans are generally tied to the state you live in. We check this before you buy.

Do I have to wait for open enrollment?

Marketplace plans have an annual enrollment window, though losing coverage can open a special enrollment period. Private PPO plans can often be started at other times if you are approved.