Health Insurance
For those of you that are full-time or most-of-the-time but not yet old enough for Medicare, how do you handle your health insurance needs. My wife and I were fortunate enough to be able to stay on ou...
Forum Discussion
RobWNY wrote:
For those of you that are full-time or most-of-the-time but not yet old enough for Medicare, how do you handle your health insurance needs.
You domicile in s state that has "portable" health plans. That is, plans with nationwide networks so you can get in-network health care in any state.
Most health plans let you get out-of-network care, but you typically pay dearly.
In most cases, BlueCross offers those portable plans. And these are typically PPO health plans, but not always. For example, in FL, BlueCross offers EPO plans with nationwide coverage.
If you full-time, the most popular states to domicile are TX, SD, and FL because there are no state taxes in any of these states. However, if you're under 65 only FL offers portable health plans, SD and TX do not.
The other states that I'm aware of that offer nationwide health plans are:
- Alaska
- Alabama
- Arkansas
- California
- North Dakota
- Wyoming
BTW, I'm talking about ACA ("Obamacare") health plans offered on state exchanges.
