Having the right health insurance can be a challenge for travel nurses. With their frequent travels and multitude of options, it’s important to make an informed decision. Here are some things you should consider when choosing health insurance as a travel nurse.
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Exploring Your Health Insurance Options
As a travel nurse, you have several options for health insurance:
Agency-provided health insurance: Many nursing agencies offer health insurance plans for their travel nurses. While this may seem convenient, it may not always be the best fit for your specific needs.
Individual or family health insurance: ACA-compliant health insurance plans, also known as individual plans, can be purchased online during the open enrollment period. These plans give you more control over your benefits and costs.
Short-term health insurance: If you’re between jobs or struggling to pay your health insurance premiums, short-term health insurance may be a more affordable option. However, it’s important to note that these plans have less comprehensive benefits and may not cover pre-existing conditions.
It’s worth mentioning that Medicaid and CHIP are not often viable options for travel nurses due to their income limitations.
Weighing the Pros and Cons
While agency-provided health insurance can be attractive, it may not always meet your specific needs. Travel nurses frequently change agencies, and getting your own individual plan can offer more stability and consistency. Additionally, paying for health insurance through COBRA when switching agencies can be expensive.
Individual and family health insurance plans give you more control over your coverage and costs. You can choose the benefits that matter most to you and customize your plan accordingly. However, navigating the health insurance market can be tricky. That’s where eHealth can help you find the right plan for your lifestyle and budget.
Short-term health insurance, on the other hand, can be a more affordable option, especially during transitional periods. However, it’s important to carefully review the coverage to ensure it meets your needs and doesn’t exclude any necessary services.
Don’t Forget About Vision and Dental Coverage
If you decide to explore health insurance options outside of your travel nurse agency, it’s important to consider your dental and vision coverage. ACA health insurance plans do not cover routine dental and vision care, so it’s a good idea to consider supplemental insurance for these services. Brokers like eHealth can help you find dental and vision insurance that suits your needs.
Stay Informed to Avoid Fines
While the federal tax penalty for not having health insurance has been repealed, some states still impose fines for not having compliant coverage. If you reside in California, New Jersey, Rhode Island, or Washington DC, it’s important to make sure you have the appropriate health insurance to avoid penalties.
Seek Expert Guidance with eHealth
Choosing the right health insurance as a travel nurse requires careful consideration. Whether you decide to go with agency-provided health insurance, individual plans, or short-term options, eHealth is here to provide expert guidance. As the first and largest online health insurance broker, their experienced customer service team can help you navigate your options and find a plan that suits your budget and coverage needs.
Get started today by comparing the wide range of individual and family health insurance options available in your area with eHealth!