Health insurance questions, straight answers.
Cross-state plans, telehealth abroad, ACA subsidies when your income changes mid-year — honest answers to what digital nomads and remote workers actually ask us.
Frequent questions, from the road.
Pick your domicile state — the one where you maintain your driver's license, vehicle registration, voter registration, and mailing address. Common nomad-friendly domiciles include South Dakota, Florida, and Texas. Once chosen, your ACA marketplace and subsidy calculation are tied to that state. We help confirm your choice fits your actual travel pattern before you enroll.
On a national PPO or true multi-state network plan, you can walk into any in-network provider across the country and pay in-network rates. On a local HMO, you'd only be covered for emergency care outside your service area. This is the single biggest reason we recommend national PPOs to full nomads, even though premiums are higher.
Yes, when the plan is built around it. Telehealth providers must be licensed in the state you're physically in when the visit happens. Our telehealth-first plans contract with multi-state-licensed clinicians so a video visit from Austin, Asheville, or Anchorage all bill the same. We confirm cross-state coverage before you enroll.
US-issued ACA plans don't cover routine care abroad and only cover emergencies in limited cases. We pair your domestic plan with travel medical insurance — typically $40–$120/month — for international months. This keeps your ACA subsidy intact while giving you in-country coverage wherever you are.
Subsidies are based on your projected annual income. Self-employed nomads often see big swings, so we model out your worst-case and best-case scenarios up front. If actual income comes in higher than projected, the IRS reconciles at tax time. We help you avoid the most common trap: under-estimating and owing thousands back in April.
Moving to a new state (or even a new ZIP within some states) triggers a 60-day Special Enrollment Period during which you can change plans outside Open Enrollment. We track your move calendar against SEP deadlines so you never lose coverage in transit and never miss a chance to upgrade when you land somewhere new.
Two-person nomad households can usually enroll as one tax household on a single ACA plan, which simplifies subsidies and out-of-pocket maximums. If you have different domiciles, we structure separate individual plans that still optimize for your combined income. We've done this for dozens of nomad couples.
We add a layer of travel medical insurance — SafetyWing, IMG, Cigna Global, or similar — on top of your US ACA plan. It covers emergency care, hospitalization, and evacuation abroad, typically for $40–$120/month depending on age and coverage limits. We compare options based on the countries you're actually visiting.