Health Insurance
Plans For Nomads

Overview of Options

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Choosing a health plan can be complicated. Luckily we have made it simple for our fellow nomads.

Overview of Health Plan Options for Nomads

Whether you are a full-time or part-time RVer, live on your boat, work as a traveling nurse, are an OTR trucker, remote worker, or just like to roam around the backcountry with your rucksack–we have a healthcare plan for you! The world is changing and you need a health insurance plan that gives you the freedom and flexibility to live life your way. Here at Nomad Insurance Group we are committed to always bringing you the most current and relevant options for healthcare coverage.

Plans We Offer Nomads

The plans we offer are guaranteed to be the best balance of access, cost and coverage available. We offer many options ranging from Affordable Care Act (ACA), Fixed Benefit indemnity plans, Short Term Medical and TriTerm Medical plans to Medical Cost Sharing and plans exclusively available to nomads who are Self-Employed business owners either working remotely around the world or traveling via RV in the US. Scroll down this page to get a good overview of options. As always, feel free to reach out to us if you want to speak to someone who can walk you through comparing, choosing, and enrolling in a plan. 

Why Nomad Insurance Group is the most qualified health insurance agency for nomads.

Nomad Insurance Group was created by nomads for nomads. Our founder, Kyle Henson, has been a full-time RVer since 2011 as well as an insurance broker since 2001. He has also been an avid long-trail backpacker and outdoor enthusiast his entire life. When you work with us you can rest assured that you will be working with someone who understands the lifestyle as well as the healthcare insurance industry. We are focused on education and service, not sales. Our aim is to give you the tools to research your options while providing guidance where requested. 

We're Nomads too

We understand what it means to be a nomad. That's why we guarantee our healthcare plans will fit your lifestyle.
We have several different plans to choose from whether you need to cover yourself only or your entire family. These plans provide nationwide US coverage Message me for a quote and details. Or run your own quotes below.

Health Plans Overview

Health Insurance Plans: How to select the best plan

It’s easy to get overwhelmed with options when researching healthcare plans–especially if you don’t speak the lingo every day like we do. Just know that we are here to help if you need it. We don’t like to tell you which plan to choose but instead want to educate you on the options and let you decide which plan is best based on your own criteria. For some people it may be more important to choose a low monthly premium while for others it may be crucial to pick a plan with the richest benefits. Our advice is to consider these things when comparing and contrasting plans: monthly cost, benefits and features, network flexibility, and risk exposure. Only you know how to rank these items in order of importance. Luckily we make it easier for you to compare plans based on these criteria below!

A Note on Pre-Existing Medical Conditions and the ACA Penalty

The Affordable Care Act (ACA) has protections in place for people with pre-existing medical conditions. All of our non-ACA plan alternatives are specifically chosen for nationwide provider access, which most ACA plans do not offer. However, all of our non-ACA plans require you to be relatively healthy and generally do not cover pre-existing medical conditions (with the exception of our Medical Cost Sharing plans). So, if you have pre-existing medical conditions we recommend seeing if you can find an ACA plan that suits your needs first. Click here to get ACA quotes and to see if you qualify for a subsidy now

As for the ACA mandate penalty that issues fines for not having ACA-compliant health coverage: As of January 1, 2019 that penalty was repealed and is no longer assessed!

Choose what's MOST important to you below or

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Fixed Benefit Health Plans

These are lower cost health insurance plans that provide coverage for hospitals, doctors, surgeries, tests, wellness, and much more.
– Low Cost
– Guaranteed Renewable
– No Deductibles
– Nationwide Coverage

Read More »

Tri-Term Health Plans

Higher benefit plans that provide up to 3 years of comprehensive major medical coverage nationwide for preventive, hospitals, doctors, surgeries and much more.
– Higher Benefits
– Flexible Deductibles
– Major Medical
– Nationwide Coverage

Read More »

Medical Cost Sharing

Low-cost non-insurance option that connects you with a community of like-minded individuals who all agree to share in large medical expenses.
– Very Low Cost
– Nationwide Coverage
– No Medical Qualifying
– No Insurance Company

Read More »

Self-Employed Health Plans

Specifically for small business owners who want individual or family coverage that is comprehensive and ACA-compliant nationwide health insurance.
– Major Medical
– ACA Compliant
– Competitive Premiums
– Nationwide Coverage

Read More »

Global Health Plans

Plans designed for those traveling abroad (or coming to the US) for short or long trips or for long-term remote workers needing global health insurance coverage.
– Low Cost
– Global Protection
– Easy To Qualify
– Flexible Plan Design

Read More »

Short Term Medical Health Plans

Comprehensive medical insurance designed for 6-12 months of coverage. Benefits are comprehensive and coverage is nationwide.
– Low Cost
– Naitonwide Coverage
– Comprehensive Benefits
– Flexible Deductibles

Read More »

Complicated? We know.

That's why we're here - you can always give us a call, or use our form to receive a custom insurance quote crafted for you, for free by a nomad and insurance expert.

Continue exploring who each plan is best for below...

Plan Type

For who?

Fixed Benefit Plans

Healthy families or individuals wanting nationwide low-cost coverage without having to meet a large deductible.

Tri-Term Health Plans

Healthy families or individuals wanting more comprehensive nationwide coverage for up to 3 years. These plans have flexible deductible options

Medical Cost Sharing Plans

This option is best for those who are healthy and want the lowest cost option while maintaining maximum freedom without dealing with insurance companies

Short Term Medical Plans

Best for nomads who want a a low-cost comprehensive plan for up to 12 months. Best for healthy individuals bridging the gap between plans. 

Self-Employed Health Plans

The best option if you are a self-employed business owner or remote worker want the most comprehensive ACA-compliant coverage for you or your healthy family.  

Global Health Plans

Specifically designed for remote workers, trip-takers, backpackers, and digital nomads who mostly need coverage outside of their home country.

Compare Pros & Cons

Fixed Benefit Plans

Pros

Fixed Benefits are often the lowest cost option for health insurance.

Our Fixed Benefit plans give you nationwide coverage via the large United Healthcare network in all 50 states.

Fixed Benefit plans give you first-dollar coverage so you do not have to meet a large deductible before getting benefits.

The United Healthcare HPG and Health Protector Guard plans have the highest payment schedule of any Fixed Benefit plans in the country.

With our Fixed Benefit plans you are getting coverage for doctors, hospitals, surgeries, testing, preventive wellness, and much more.

We offer the only Fixed Benefit plans that do not have a annual or lifetime benefit paximum.

Enrollment is open all year long to qualified applicants.

Cons

As with all Fixed Benefit plans you do have to qualify medically and can be turned down for coverage if you have a porr medical history.

Fixed Benefit plans do not generally cover pre-existing medical conditions.

Fixed Benefit plans do not limit how much you would have to pay in the case of a large medical claim.

Tri-Term Plans

Pros

Tri-Term Medical Plans offer very comprehensive benefits for doctors, hospitals, surgeries, tests, and more

United Healthcare’s nationwide network has almost 1 MILLION medical providers and 5000 hospitals you can access.

Perfect for those who are retiring at age 62 and need comprehensive coverage until Medicare kicks in at age 65.

Tri-Term plans  have deductible options ranging from as low as $2500 and as high as $15000 so you can control your monthly cost.

Enrollment is open all year long to qualified applicants.

Cons

You have to answer a health questionnaire and can be turned down for coverage.

After 3 Years you have to reapply for coverage.

Because of the comprehensive benefits these plans are higher cost than the Fixed Benefit plans.

Medical Cost Sharing Plans

Pros

Medical Cost Sharing plans are the lowest cost option for many people.

Choose your Initial Unsharable Amount IUA (like a deductible) to suit your budget

MCS plans give you maximum freedom since there are no networks you are required to use.

MCS plans are a great way to mitigate large medical bills risk.

MCS plans are NOT insurance so you do not have to deal with insurance company ‘red tape’.

All applicants are accepted regardless of pre-existing medical conditions. 

Enrollment is open all year long to qualified applicants.

Cons

Although also a ‘pro’ this also means you are not protected by state and federalinsurance regulations.

Although you can’t be turned down for pre-existing medical conditions they can require a 12-24 month wait period before covering those conditions.

Since it is not insurance it is not a contract to pay your claims. This requires some trust on your part. 

Self-Employed Health Plans

Pros

Other than an ACA plan this is the most comprehensive plan option available.

Though not as important since the penalty is now gone, these plans meet the requirements for Minimum Essential Coverage (MEC) and Essential Health Benefits (EHB) under the ACA.

You will not have any difficulty finding participating providers in all 50 states for these plans!

All ages pay the same rate so this is an attractive option for those over age 50.

Part of the Minimum Essential Coverage means that you are fully covered for all required wellness benefits.

Enrollment is open to qualified applicants all year long.

Cons

You have to be relatively healthy to qualify for these plans.

You have to be self-employed and working at your business for at least 30 hrs per week in order to apply for these plans.

Since these plans are not age-rated they end up being more expensive for younger people when compared to other options

Short Term Medical Plans

Pros

Since the insurance company is taking a shorter term risk rates are usually much lower for Short Term Medical.

Coverage for doctors, hospitals, tests, surgeries, and much more.

You will have nationwide coverage with providers available in all 50 states. 

Online applications are reviewed quickly and you can usually get same or next day coverage. 

Enrollment is open all year long to qualified applicants.

Cons

Short Term Medical plans do not cover pre-existing medical conditions at all.

Because the benefits are excellent and this population tends to use it more these plans are not ideal for over age 60.

Every state has their own short term medical regulations and some states either don’t allow short term plans or have very short terms, like 90 days.

Some states only allow one term for short term medical and do not allow you to re-apply. 

Global Health Plans

Pros

Since these plans are generally for a specific purpose they can be very cost.

These are the only plans that will cover you abroad or cover people from abroad traveling to the United States

These plans do allow you to return home for short periods of time and continue to cover you in your home country.

Enrollment is open all year long to qualified applicants.

Cons

These plans are not designed to cover Americans who are traveling mostly within the United States.

Fixed Benefit Plans

Pros

Fixed Benefits are often the lowest cost option for health insurance.

Our Fixed Benefit plans give you nationwide coverage via the large United Healthcare network in all 50 states.

Fixed Benefit plans give you first-dollar coverage so you do not have to meet a large deductible before getting benefits.

The United Healthcare HPG and Health Protector Guard plans have the highest payment schedule of any Fixed Benefit plans in the country.

With our Fixed Benefit plans you are getting coverage for doctors, hospitals, surgeries, testing, preventive wellness, and much more.

We offer the only Fixed Benefit plans that do not have a annual or lifetime benefit paximum.

Enrollment is open all year long to qualified applicants.

Cons

As with all Fixed Benefit plans you do have to qualify medically and can be turned down for coverage if you have a porr medical history.

Fixed Benefit plans do not generally cover pre-existing medical conditions.

Fixed Benefit plans do not limit how much you would have to pay in the case of a large medical claim.

Tri-Term Plans

Pros

Tri-Term Medical Plans offer very comprehensive benefits for doctors, hospitals, surgeries, tests, and more

United Healthcare’s nationwide network has almost 1 MILLION medical providers and 5000 hospitals you can access.

Perfect for those who are retiring at age 62 and need comprehensive coverage until Medicare kicks in at age 65.

Tri-Term plans  have deductible options ranging from as low as $2500 and as high as $15000 so you can control your monthly cost.

Enrollment is open all year long to qualified applicants.

Cons

You have to answer a health questionnaire and can be turned down for coverage.

After 3 Years you have to reapply for coverage.

Because of the comprehensive benefits these plans are higher cost than the Fixed Benefit plans.

Medical Cost Sharing Plans

Pros

Medical Cost Sharing plans are the lowest cost option for many people.

Choose your Initial Unsharable Amount IUA (like a deductible) to suit your budget

MCS plans give you maximum freedom since there are no networks you are required to use.

MCS plans are a great way to mitigate large medical bills risk.

MCS plans are NOT insurance so you do not have to deal with insurance company ‘red tape’.

All applicants are accepted regardless of pre-existing medical conditions. 

Enrollment is open all year long to qualified applicants.

Cons

Although also a ‘pro’ this also means you are not protected by state and federalinsurance regulations.

Although you can’t be turned down for pre-existing medical conditions they can require a 12-24 month wait period before covering those conditions.

Since it is not insurance it is not a contract to pay your claims. This requires some trust on your part. 

Self-Employed Health Plans

Pros

Other than an ACA plan this is the most comprehensive plan option available.

Though not as important since the penalty is now gone, these plans meet the requirements for Minimum Essential Coverage (MEC) and Essential Health Benefits (EHB) under the ACA.

You will not have any difficulty finding participating providers in all 50 states for these plans!

All ages pay the same rate so this is an attractive option for those over age 50.

Part of the Minimum Essential Coverage means that you are fully covered for all required wellness benefits.

Enrollment is open to qualified applicants all year long.

Cons

You have to be relatively healthy to qualify for these plans.

You have to be self-employed and working at your business for at least 30 hrs per week in order to apply for these plans.

Since these plans are not age-rated they end up being more expensive for younger people when compared to other options

Short Term Medical Plans

Pros

Since the insurance company is taking a shorter term risk rates are usually much lower for Short Term Medical.

Coverage for doctors, hospitals, tests, surgeries, and much more.

You will have nationwide coverage with providers available in all 50 states. 

Online applications are reviewed quickly and you can usually get same or next day coverage. 

Enrollment is open all year long to qualified applicants.

Cons

Short Term Medical plans do not cover pre-existing medical conditions at all.

Because the benefits are excellent and this population tends to use it more these plans are not ideal for over age 60.

Every state has their own short term medical regulations and some states either don’t allow short term plans or have very short terms, like 90 days.

Some states only allow one term for short term medical and do not allow you to re-apply. 

Global Health Plans

Pros

Since these plans are generally for a specific purpose they can be very cost.

These are the only plans that will cover you abroad or cover people from abroad traveling to the United States

These plans do allow you to return home for short periods of time and continue to cover you in your home country.

Enrollment is open all year long to qualified applicants.

Cons

These plans are not designed to cover Americans who are traveling mostly within the United States.