Licensed Independent Insurance Brokers, 30+ StatesCall us today: 863-270-9820
Call us today 863-270-9820
Remote worker health insurance
Self-employed remoteDomestic nomadsNationwide PPO
Remote workers

Work from anywhere. Get care from anywhere.

If you freelance or run a business from a laptop and spend months in different cities, your health plan was probably chosen for a life you no longer live. Here is how to match coverage to how you actually move.

Which state you buy coverage in when you split the year between cities
Private nationwide PPO plans for healthy self-employed remote workers
Where U.S. health plans stop if you also spend time abroad
Compare My OptionsCall 863-270-9820
$0Broker fee
30+States licensed
1Broker, not a queue
Coverage for Remote Work
3 quick taps, then tell us where to send it
STEP 1 OF 2
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
Which state

Your plan follows your residence, not your laptop

Quick answer

Self-employed remote workers buy health insurance in the state where they live, even if they spend months elsewhere. If you rotate between cities, a local HMO or EPO from your home state will cover emergencies everywhere but routine care only at home. Healthy remote workers should price a private plan on a nationwide PPO network next to full-price Marketplace coverage; those under the 2027 subsidy line or with conditions to cover usually do best on the Marketplace.

If you are a W-2 remote employee, your employer's plan comes first. Ask whether its network is national. If you are self-employed or a 1099 contractor, you are buying your own, and the self-employed health insurance deduction generally applies within its limits.

Leaving the country

Where U.S. plans stop

U.S. health plans are built for care in the U.S. Coverage outside the country is limited or absent for most plans, and Marketplace eligibility depends on living in the state. If you spend long stretches abroad, you will need international or travel medical coverage for that time, which is a separate product we do not sell. For the months you are stateside, the network questions on this page apply.

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.
Income

Freelance income and the 2027 line

Freelance and business income counts after expenses. Home office, equipment, software and half of self-employment tax all come off before MAGI. Many remote freelancers sit close to the line, where a retirement contribution can change the answer. The calculator has a self-employed mode.

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

Which state do digital nomads buy health insurance in?

The state where they live and intend to stay, which is usually the state on their license and tax return. Plans are sold by state and service area.

Do U.S. health plans cover care abroad?

Most cover little or nothing outside the U.S. Long stays abroad call for international or travel medical coverage.

Is a nationwide PPO worth it for remote workers?

For healthy remote workers who spend months in different cities, often yes, because it covers routine care where you are, not just emergencies.

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
Call Now