If you’re a digital nomad or a location-independent business owner, you’re either overpaying for fragmented insurance coverage (travel, medical, etc.) or just badly underinsured. You have a health plan, travel insurance, and maybe some medical evacuation coverage. But, when you work for yourself, you lack the kind of safety net protections you get with a corporate job. And you cannot use a country’s social safety net because, well, you’re not a citizen, right?