Travel Nurse PPO Health Insurance FAQ
Everything you need to know about private health coverage, assignment continuity, and tax savings.
Q:How does private PPO health insurance differ from agency health insurance?
Agency health insurance is tied directly to your 13-week contract and drops the day your assignment ends. Private PPO insurance belongs to you individually — meaning your coverage stays active 365 days a year regardless of taking time off, changing staffing agencies, or moving between states.
Q:Can I keep my current doctors and assignment hospital systems?
Yes! Our private Gold PPO plans use nationwide MultiPlan and First Health networks, which include over 1.1 million physicians and major hospital systems across all 50 states.
Q:Is private health insurance 100% tax deductible for 1099 travel nurses?
Yes. Under IRS Schedule 1 (Form 1040, Line 17), self-employed healthcare contractors and 1099 nurses can deduct 100% of health insurance premiums directly from gross income.
Q:What happens if I move states for a new travel assignment?
Your private PPO plan goes with you! Unlike location-restricted HMO exchange plans, our nationwide PPO networks function identically in every U.S. state without requiring a plan change.
Q:What is the 10/day quote limit and doctor search limit?
To prevent automated scraping and preserve database performance, our instant estimator allows 10 quote runs per IP daily and 3 doctor network lookups before routing you to a travel nurse advisor.
Have a Specific Coverage Question?
Speak directly with a licensed travel nurse advisor on our dedicated helpline.