Health Insurance

There is medical insurance and then there is MEDICAL INSURANCE. Even with Medicare, there are more Advantage and Suplimental plans than the average senior can understand or comprehend. Seniors are expected to make life altering medical/financial decisions that would befuddle the average recent college graduate. It is little wonder that medical bills and bankruptcy are so closely linked. I read somewhere that over 75% of all medical expenditures come within one year of death. Even dieing is expensive.

Important to check actual coverage network for a plan. A woman in Wisconsin was taken by while unconscious by ambulance to a hospital that was 3 blocks closer to her house by the drivers and as a result found herself with no coverage and a bill of more than $50,000. If you go to the emergency room it will most likely not be covered by your insurance as you have not been officially "admitted". One more loophole used by our for profit health care system in the USA. My own 4 hour visit several years ago resulted in a bill for $3200 that Blue Cross did not cover.

Medical bills were linked to two-thirds of bankruptcies in the 2007, despite the fact that most of those going bankrupt had medical insurance.

We have been self employed and paying for our own healthcare for twenty years.
I recommend finding a reputable independent agent that represents several companies.
Ours helped us immensely.

With the ACA our coverage is the best we have had in years with lower deductibles. It is still quite expensive $1300 mo but better benefits and it did go down the last three years.

Our agent said there were two companies that provide nationwide coverage.
United and Cigna. Fl Blue Cross changes across state lines.

X2 on Texas. Try looking into what they have to offer if you decide to domicile there. It was very good coverage as of a few years ago.

As dahkota mentioned, the only plans available now in SD are HMO plans.
Head on over to Escapees forum. There are threads running now on the subject.
Link

Right now, South Dakota has extremely limited (to none)options for health care for full timers. Your better bet is Texas or Florida, if you are looking for a no income tax state. For nationwide coverage (a large provider network) one needs to have a PPO rather than an HMO. Ehealthinsurance.com is a good place to start looking. Prices can vary by zipcode, sometimes up to $100/month/person so it is important to know in which zipcodes you are considering looking.

You may wish to check out Samaritan Ministries. They offer a a Biblical, non-insurance approach to health care needs. It is allowed under the Affordable Care Act. Their web address is: http://samaritanministries.org/

I plan on dumping my Blue Cross/Blue Shield and going with Samaritan. I have visited with two friends (one in Nebraska, the other in Arizona) that both use Samaritan with good result.

It's an alternative to consider.

I suggest you check out and contact Howard and Linda of RV Dreams. He has posted extensive information on health insurance. They are in their 50's and full time. Here's the link.

Blue Cross is probably one of the most wide spread insurance carriers. Not necessairly the cheapest, but nation wide coverage.