Every option for staying covered while traveling — agency plans, Marketplace, HSAs, and gap strategies.
Most agencies offer plans that vary enormously. Key factors: When coverage starts (day-one vs. 30-90 day wait), premium cost ($50–$400+/month), network (nationwide PPO vs. regional), and gap coverage (does it continue between contracts?).
Your lower W-2 income as a travel therapist may qualify you for substantial premium subsidies. Coverage is continuous regardless of assignment status — no gaps between contracts. See tax implications.
HSAs: Triple tax advantage with an HDHP — especially powerful with lower W-2 income.
Spouse's plan: If available, eliminates the insurance variable entirely.
Between contracts: Marketplace special enrollment, COBRA continuation, or short-term plans. Plan ahead — don't wait until your assignment ends.
Connect with travel therapy professionals.
Free and confidential. A real person will reach out within 24 hours.