Insurance

What you do depends a lot on how healthy you are. The best place to start is looking at the PPO plans that have a national network - Blue Cross is one of the few. We are healthy, only visiting the Dr. twice per year, so we went with a high deductible but lower total out of pocket costs. If you must visit the Dr. a lot, a lower deductible plan with low co-pays might be best for you. I found that South Dakota and Nevada were both very high cost states - the premiums were almost double what I am paying out of Maryland (which washed out the saving from 'moving' to a no income tax state). Tennessee was one of the lowest. The rates quoted will vary by county within each state. 10 miles down from my 'home address' the exact plan I have is $20 more per month, per person. We purchased on the open market (an identical plan) because we knew we would not qualify for subsidies this year. I used ehealthinsurance.com to price plans throughout the country as we contemplated changing our residency.