Need Help on how to get health insurance while traveling

Maybe I missed a response that mentioned this option - but there are the 3 primary “Christian” based pseudo insurance offerings that are unbiased as to location or primary address. I have some friends who have one of these options and has used it quite a bit.
Medi-Share
Altrua
And a 3rd I can’t remember. You can google to find all of them.

We too lucky enough to be retired pre-Medicare eligibility, and on the road. But insurance companies and politicians don’t make it very easy or affordable!

Thanks teckwriter we will. Talked to the insurance people in MD last year and to get ADA we needed an address. Then before that when we left CT, and had mail service they canceled us. So I think they do need an address

luvmydogs wrote:
Problem is with ACA and ALL insurances us YOU NEED AN ADDRESS.

Nope.

Merrykalia wrote:

Until you establish yourself in another state or even country, your "residence" is still in CT.

Not for the ACA.

luvmydogs wrote:
We use a mail service when we travel but the insurance companies DO NOT take that as being a resident therefore you cannot get insurance with it.

Nope again.

Homeless people can sign up for the ACA. See "Home address" on page 1 of the ACA Application Form.

The ACA is concerned with where you actually live which is not necessarily the same as your domicile.

OP, you should probably contact the ACA for advice.

We use a mail service when we travel but the insurance companies DO NOT take that as being a resident therefore you cannot get insurance with it.

luvmydogs wrote:
Problem is with ACA and ALL insurances us YOU NEED AN ADDRESS. We are selling the house and until we find another we wont have an address. They make it very difficult in this country to survive without a physical address.Thank you all for your ideas, especially Tech writer for the links and STBRetired. I will check blue cross. But what do you do for an address, unless you own a house somewhere.

Until you establish yourself in another state or even country, your "residence" is still in CT. People who rent don't own property, but they are still residents.

There are many mail-delivery services that will give you a "residence" and accept mail and deliveries for you and then forward it to you.

Problem is with ACA and ALL insurances us YOU NEED AN ADDRESS. We are selling the house and until we find another we wont have an address. They make it very difficult in this country to survive without a physical address.Thank you all for your ideas, especially Tech writer for the links and STBRetired. I will check blue cross. But what do you do for an address, unless you own a house somewhere.

I'm wondering if you could buy a "travel insurance plan" through something like AAA. What do people from CT who go on cruises do? Normally they could buy travel insurance for the time they are gone. Before we were Medicare age, we had an insurance policy through my former employer. When I retired, I was able to keep the policy. . . I had to pay for it, but it was a great plan.

Do you not have any options for other health plans besides the one you are on? Perhaps you could upgrade to a plan that allows some travel.

HadEnough wrote:

luvmydogs wrote:
The only thing my insurance covers out of state is emergency room. Well that's great but if its something that needs surgery or if you have a stroke or something, that emergency room coverage wont cover it.

Looking forward to an answer. This is a great question you brought up. I am stuck without any insurance because nothing works. You have to enroll by a certain date in a certain state, I'm a full-time traveler. I'm a lot more of a citizen of the United States than of my certain state where everything is registered.

Not sure what states you tend to stay near or around, but if out west I have spoken to some that use Nevada as a domicile due to insurance. The State Univ as a primary gives them branch offices in Las Vegas, which is within a couple hours drive of where they tend to winter, and the northern ones in Reno, Winnemucca or Wels are within a couple hours drive of the areas where they spend their summers.

TechWriter wrote:

HadEnough wrote:
You have to enroll by a certain date in a certain state, I'm a full-time traveler. I'm a lot more of a citizen of the United States than of my certain state where everything is registered.

If you have insurance through the ACA, then this isn't true. The ACA has SEP (Special Enrollment Period) for people who have special conditions -- Moving is one of these.

Being out of state for 6 months should qualify you for a SEP. If so, you would enroll in a health plan in the state where you're staying.

Thanks for that tip. Good to know.
Unfortunately we don't stay anywhere. We need something national.

If you can find a reasonable plan until you get on Medicaare, there's some good options then.