Tired of coverage that ends with every contract? Kyle Frank is a licensed health insurance broker who helps travel nurses and other traveling healthcare workers find their own coverage that stays with them between assignments. It costs you nothing.
These are the moments when coverage most often gets expensive or confusing.
Agency coverage often ends when the assignment does. Your own plan keeps going whether you take two weeks off or two months.
A new agency usually means a new plan, new ID cards and often a deductible that starts over. Your own plan stays the same no matter who you work for.
Many plans are built around the doctors near your home. Kyle checks how each plan works where you are actually headed.
Some agencies adjust your pay if you decline their health plan. Knowing what your own coverage costs helps you compare offers.
Leaving a staff job means leaving its health plan. Compare COBRA and your other options.
If you're healthy, a private plan is often the best place to start.
Your plan belongs to you, so it continues between contracts and when you change agencies.
Some private plans use national networks, which can be a good fit when your assignments cross state lines.
Many private plans don't make you wait for open enrollment, so you can get covered before your next assignment.
Private plans are priced on your health, not your income. Healthy people can often get better benefits for significantly less than full-price Marketplace plans.
If your work takes you from one assignment to the next, Kyle can help.
If a private plan isn't the right fit, Kyle will tell you and walk you through these instead.
Simple if you stay with one agency and rarely take time off. Check when coverage starts and how soon it ends after a contract.
A good fit if you have a major health condition, or if your income qualifies you for help paying the premium. You enroll based on your permanent home address, and many of these plans use local networks, so check what's covered while you are away.
Lets you keep a previous employer's plan for a limited time, usually at full cost. It can bridge a short gap.
A low monthly cost isn't a good deal if the plan doesn't work where you are.
Three simple steps. No pressure and no cost to you.
Tell Kyle where you live, where you take assignments, and your budget.
Kyle walks you through your options and what each one does and does not cover.
Kyle helps you enroll and stays available when you have questions later.
Private health plans are not ACA-compliant major medical plans. Benefits, exclusions, limits and underwriting vary by plan, they may not cover pre-existing conditions or all essential health benefits, and they are not eligible for ACA premium subsidies. Kyle explains exactly what a plan does and does not cover before you decide, and you should read the plan documents.
Kyle works with travelers by phone or video, so it doesn't matter where your current assignment is. He is licensed in 31 states, listed at the bottom of this page. If your home state is on the list, Kyle can help.
More reading: coverage that works across state lines, health insurance for the self-employed, and open enrollment 2027.
Quick answers to what travel nurses ask us most.
It depends. An agency plan can work well if you stay with one agency and take little time off. Your own plan stays with you between contracts and when you switch agencies. Kyle compares both for you.
Agency coverage often ends on or shortly after your last day, and the rules vary by agency. Your own plan continues for as long as you pay the premium.
That depends on the plan's network. Some private plans use national networks. Many other plans cover emergencies anywhere but limit routine care to your home area. Kyle checks this before you decide.
No. Private plans are priced on health instead of income, which is why healthy people can often save. They are not ACA-compliant major medical plans, so they may not cover pre-existing conditions or all essential health benefits, and they aren't eligible for ACA premium help. Kyle explains exactly what's covered before you decide.
Many private plans let you apply any time of year. Marketplace plans have open enrollment each fall, and outside that window you usually need a qualifying life event, like losing other coverage.
No. Kyle is paid by the insurance carriers, not by you.
A free 15-minute call is all it takes. Kyle will walk you through your options.