I map your domicile, travel pattern, doctors, and budget first. If ACA subsidies or a state-based plan make sense, I'll show you that; if your life needs broader networks, I'll map private PPO options too.
A coverage blueprint you can count on.
Licensed in 43 states + DC, working for you.
Plans matched to your health, income, and timing.
Clear guidance and reliable support every step.
I start with your doctors, prescriptions, health needs, budget, income, and timing. Then I compare private PPO and ACA marketplace options and help match you with the coverage that best fits your specific situation.
For someone who moves around, the wrong choice here means "I have insurance but it doesn't work where I actually am." Here's how to avoid that.
The default answer for most nomads. National PPO products from UnitedHealthcare, Aetna, Cigna, and BCBS have in-network providers in every state. No referrals, no PCP gatekeeping when you're three states from home. If you're healthy enough to underwrite, this is almost always the right move.
Sometimes works for nomads, often doesn't. Many ACA plans are county-restricted EPOs and a poor fit for the road. But a few carriers in certain states do offer ACA plans with broader networks — and if you qualify for subsidies, the math can win. I know which specific ACA plans are nomad-friendly versus the ones that look fine until you cross a county line.
For nomads who spend time outside the US. Most domestic plans don't cover routine care abroad. A supplemental travel medical or expat policy fills the gap — usually $50–100/month for solid coverage. I quote these alongside your primary plan when international time is part of the picture.
1. Your domicile state determines which plans you can buy. Health insurance is regulated state by state — your options depend on the state on your driver's license and tax returns, not where you happen to be sleeping that month. Florida, Texas, South Dakota, Nevada, Tennessee, and Wyoming are popular nomad domiciles, all with no state income tax and decent private PPO markets. I'm licensed in all of them.
2. "National network" is a marketing phrase — verify before you enroll. Lots of plans claim a national network. The practical question is: does this specific provider in this specific city accept this specific plan? A national PPO product from one of the big four carriers almost always says yes across the country. A "nationwide" plan from a smaller carrier might say no in 80% of zip codes you actually pass through. We check this before you enroll, not after.
3. Mail forwarding services have insurance implications. Escapees RV Club, Traveling Mailbox, St. Brendan's Isle, and similar services give you a real domicile address — but some carriers care about the difference between an address and a residence. I know which carriers ask which questions and how to structure the application cleanly. Most clients are fine. A few situations need a bit more thought, which is what the call is for.
Which state you're domiciled in, where you actually spend time, and any health considerations. That's most of what I need.
Private PPO products that actually work in every state you'll pass through — plus any ACA option that genuinely fits, if there is one in your state.
Same-day enrollment. Coverage starts on schedule and travels with you across every state line. No surprises at the next urgent care.
I've been on the road three years working remote — split between an RV and Airbnbs. Had a marketplace plan that supposedly had a "national network." Turned out to mean "emergency only outside my home county," which I learned the expensive way at an urgent care in another state. Christian put me on a UnitedHealthcare PPO that actually works in every city I roll through. The peace of mind alone was worth the call.
The classic nomad domiciles are Florida, Texas, and South Dakota — no state income tax and reasonable insurance markets. Nevada, Tennessee, and Wyoming also work well. Insurance options vary by state, but all six have private PPO products I can sell. The right domicile depends on more than insurance — your tax situation, prior state ties, where you want to be a resident — but insurance is a real input in that decision.
A real private PPO with a national carrier: yes, anywhere in the US, in-network. An ACA EPO or HMO tied to your home county: only for emergencies outside the home network, and even those can be partially denied or applied to a much higher out-of-network deductible. This is the single biggest gotcha for new nomads — verify your network before you need it.
Most US health plans don't cover routine care abroad. Some PPOs offer limited international emergency coverage; many don't. If you spend significant time outside the US, layering a travel medical or expat policy on top of your domestic plan is the cleanest solution — usually $50–100/month for solid international coverage. I quote both together when international time is part of your year.
Formally changing your state of residence is a qualifying life event for ACA (60-day window), and private PPOs accept year-round changes regardless. But you don't have to switch every time you cross a state line — most nomads pick one stable domicile and one plan that works everywhere. We set things up so you're not redoing this every time you change zip codes.
Fifteen-minute call, real numbers, and a plan that works wherever you're working from next. Most nomads enrolled same day.
Tell me your domicile state — I'll quote the nationwide options and call you back.
I'll be in touch shortly. Need to talk right now? Call (941) 241-0210.
