Licensed Independent Insurance Brokers, 30+ StatesCall us today: 863-270-9820
Call us today 863-270-9820
Health insurance built around how you work
Nationwide PPO options30+ statesNever sold
Coverage by occupation

Health insurance built around how you actually work

A trucker, a travel nurse and a 1099 consultant all buy their own coverage, but for different reasons and with different traps. Pick your line of work and we will show you what matters for it.

Nationwide PPO networks for people who work in a different state every week
Marketplace plans with a tax credit when your income qualifies, and we tell you when it does
One licensed broker, one call. Your information is never sold
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30+States licensed
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Who needs coverage? *
What do you have right now? *
Did you get a premium tax credit (subsidy) this year? *
Plans and prices are set by county, so this is the one number we need up front.
No health questions here. No obligation.
One call from one licensed broker at 863-270-9820. No dialers, no transfers.
Our promise: your form goes into our own system and nowhere else. We never sell or share it with other agents or marketers. Only Moran Insurance Group will contact you.
Private, never sold. One broker calls you within 1 business day.
By Erik Moran, licensed health insurance broker (NPN 20970092) · Updated October 14, 2026
Find your occupation

Find your occupation

Jump to: Trucking and transportation · Travel healthcare · Self-employed and 1099 · Small business owners · Storm and field work · Remote workers and full-time RVers · Other independent professionals

Trucking and transportation

Truck drivers and owner-operators

OTR, regional, leased-on and own-authority drivers.

Truck driver health insuranceOver the subsidy lineLeaving a company jobNo fixed address

Teams, hotshot and the fine print

Two-driver households, smaller rigs, and the policies drivers confuse with health insurance.

Team and husband-wife driversHotshot and expediteOccupational accident vs healthSharing ministries vs insurance

Contract pilots

Pilots flying 1099 trips with overnights everywhere.

Contract pilot health insurance

Travel healthcare

Travel nurses and allied health

Coverage during assignments, between contracts and across agencies.

Travel nurse health insuranceBetween contractsOpting out of agency coverageTax home and your stateTravel therapists and techs

Locum tenens clinicians

Physicians, CRNAs, NPs and PAs on 1099 assignments.

Locum tenens physiciansCRNAs, NPs and PAsLeaving an employed job

Self-employed and 1099

Consultants and IT contractors

1099, corp-to-corp and S corp owners who buy their own coverage.

Independent consultantsIT contractorsS corp owners

Advisors, reps and agents

Commission and 1099 professionals with no group plan.

Independent financial advisorsIndependent sales repsReal estate agents

Small business owners

Small fleets and small businesses

Group, level-funded and ICHRA for 1 to 25 W-2 employees.

Small trucking companiesICHRA explainedLevel-funded plansSmall business health insurance

Storm and field work

Independent and CAT adjusters

Storm deployments and income that swings by season.

Independent adjustersBetween storm seasons

Storm crews and field contractors

Restoration reps, storm lineworkers, welders and oilfield contractors.

Storm restoration salesStorm lineworkersPipeline weldersOilfield contractors

Remote workers and full-time RVers

Life on the road

Domicile states, mail-forwarding addresses and care far from home.

Full-time RVersDomicile states comparedRemote workers

Other independent professionals

Touring and event crew

Show crews and production techs who work tour to tour.

Touring crew health insurance

Missed open enrollment

What still works after January 15.

Options after open enrollmentFor truck drivers

Run your numbers

See which side of the 2027 subsidy line you land on before you shop.

Subsidy cliff calculatorIndividual and family plans
Why your job matters

Three questions decide your lane

Most health insurance advice assumes you have one employer, one address and one doctor nearby. If you drive a truck, take travel contracts, deploy to storms or run your own practice, none of that holds, and the cheapest plan on the screen can be the wrong one. Three questions sort it out:

  1. Do you need care in more than one state? Most Marketplace plans are HMOs or EPOs built around one area, and they pay out of network only for emergencies. If you are routinely far from home, a nationwide PPO network changes what the plan is worth.
  2. Which side of the 2027 subsidy line are you on? The tax credit stops at 400% of the poverty line, $63,840 for one person. Self-employed income counts after expenses, so plenty of people are closer than they think. Check yours in a minute.
  3. How is your health? If you are healthy and over the line, private plans priced on your health can cost far less than full-price Marketplace plans. If you have a condition or take maintenance medications, the Marketplace usually wins.
The plain truth about private plans: the nationwide PPO plans we quote are private, medically underwritten plans, not Marketplace plans. A nationwide network means in-network doctors and hospitals in many states; it does not mean every service is covered. You answer health questions, and the carrier can decline you or exclude a condition. These plans are not ACA-compliant: depending on the plan, prescriptions, maternity, mental health and other benefits can be limited or left out, some benefits have dollar maximums, and out-of-network care costs more. We walk through exactly what a plan pays before you apply, and if a Marketplace plan fits you better, we tell you that too.
Truck drivers by state

Truck driver guides for every state we serve

Drivers buy coverage in their home state, so each guide covers that state's marketplace, Medicaid rules and the freight corridors drivers there actually run.

AlabamaArkansasColoradoDelawareFloridaGeorgiaIllinoisIndianaIowaKansasKentuckyLouisianaMarylandMichiganMississippiMissouriMontanaNebraskaNevadaNorth CarolinaOhioOklahomaSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaWest VirginiaWisconsin

Over or under the 2027 subsidy line?

Self-employed and 1099 income is counted after expenses. Our free calculator shows which side of the 400% line you land on in about a minute, with results right away and no sign-up.

Run the subsidy cliff calculator →
Questions

Questions we hear most

Can I get a nationwide PPO plan on my own?

Often, yes, but rarely on the Marketplace. PPOs were only about 14% of Marketplace plans in 2025, and many states have none. Private, medically underwritten plans built on nationwide PPO networks are sold outside the Marketplace to healthy applicants, any month of the year.

Do you work with people in every state?

We are licensed in 30+ states and quote coverage in each of them. Your plan is bought in your home state, the one on your license and tax return, even if you work everywhere else.

Is a private plan always cheaper than the Marketplace?

No. If you qualify for a meaningful tax credit, the Marketplace usually wins. Private plans tend to win for healthy people over the subsidy line, and they can decline or exclude conditions, so we price both before you choose.

Sources

Checked October 14, 2026. Rules and dates change; confirm before you act.

Want real numbers instead of estimates?

Three quick taps and a ZIP code. One licensed broker calls you once with every plan you qualify for. Your information is never sold.

Start the 60-second form → Or call 863-270-9820, Monday to Friday, 9am to 5pm ET
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