New Hampshire domicile / residency? (No S&B)
We've run the numbers, and the savings for us to be NH residents is on the order of $10k/year. We also have a lot of family in the northeast so it would be quite a bit more convenient. To be cle...
Forum Discussion
TechWriter wrote:
Are you both on Medicare yet?
Team Bologna wrote:
Negative. We're both under 40!
In that case, if you're buying your own health insurance, then NH (+ SD & TX) are not good domicile states for full time RVers. I am assuming that you would want to buy your health care from the ACA exchange. That way you're eligible for a subsidy.
The ACA (i.e., "Obamacare") has changed the health care game. Probably the most significant (and most overlooked) change is that health care plans, options, and pricing are based on US counties. Think of counties as the new health care "group".
Generally, what full timers under 65 need is a PPO plan with a nationwide network (like BCBS). With a nationwide PPO, you typically do not have to pay out-of network costs ($$$) as you travel out of your domicile state.
Back to SD, TX, and NH . . .
Though these 3 states do have ACA exchange PPO plans in some (or all counties), the plans are not nationwide health plans.
However, you might want to check for off-exchange PPO nationwide plans -- ask Kyle at www.rverinsurance.com.
