Health Insurance for Full timers

TechWriter wrote:

tsetsaf wrote:
Avoid TX, FL, & SD as neither has a state exchange and will likely lose premium assistance when the sc rules

The upcoming Supreme Court decision this month or July on the legality of health care subsidies is definitely cause for concern.

If possible, it would be best for OP to put off selecting a domicile state until after the SC decision.

If the SC rules against subsidies, the likely state-by-state consequences are here.

No need to worry about this anymore.

2gypsies wrote:

Owning or not owning a house has nothing to do with medical insurance.

You missed the point . . . Local insurance agents are generally not well-versed (or versed at all) on the effects of domicile on insurance.

2gypsies wrote:

Also, I've never heard of 'RVer health insurance'.

'RVer health insurance' is a web site, not a type of insurance.

TechWriter wrote:

Big Katuna wrote:
We travel around the country.

That may be, but owning (not owning) a house affects health, vehicle, and liability insurance.

Most full time RVers I've heard from use specialty RV insurance, like Miller or an equivalent for vehicle and liability insurance, and RVer Health Insurance for medical.

Local insurance agents are generally not well-versed (or versed at all) on the effects of domicile on insurance.

Owning or not owning a house has nothing to do with medical insurance. Also, I've never heard of 'RVer health insurance'. It's the same kind of insurance everyone else uses. What you need to get is a PPO plan, not a HMO, if you travel. Also, South Dakota does not have good insurance for travelers. Period.

It all depends where you're domiciled....where you 'live' even though it's not in a house. Some states are higher than others.

Big Katuna wrote:
We travel around the country.

That may be, but owning (not owning) a house affects health, vehicle, and liability insurance.

Most full time RVers I've heard from use specialty RV insurance, like Miller or an equivalent for vehicle and liability insurance, and RVer Health Insurance for medical.

Local insurance agents are generally not well-versed (or versed at all) on the effects of domicile on insurance.

We have Medicare and AARP United healthcare, plan F.
Reside in Tx. . Plan f. Is a little pricy but works any place in the USA.
2013 Winnebago Journey CRV toad one spoiled pup.

We travel around the country.

Big Katuna wrote:

TechWriter wrote:

Big Katuna wrote:
My best advice is find an independent agent that reps several lines.

My guess is that a typical insurance agent (any type) will know nothing about what a full time RVer needs.

So, again, I'd suggest checking with these guys -- www.rverhealthinsurance.com.

Your guess would wrong in my case. Ours came to our house, saw the RV and knew exactly what we needed. Most insurance reps are trained to the nuances of different types of policies.

If they came to your house, then you're not full timing.

TechWriter wrote:

Big Katuna wrote:
My best advice is find an independent agent that reps several lines.

My guess is that a typical insurance agent (any type) will know nothing about what a full time RVer needs.

So, again, I'd suggest checking with these guys -- www.rverhealthinsurance.com.

Your guess would wrong in my case. Ours came to our house, saw the RV and knew exactly what we needed. Most insurance reps are trained to the nuances of different types of policies.

Big Katuna wrote:
My best advice is find an independent agent that reps several lines.

My guess is that a typical insurance agent (any type) will know nothing about what a full time RVer needs.

So, again, I'd suggest checking with these guys -- www.rverhealthinsurance.com.

Post office is not government run. Go to Europe, try their post offices. $1 or higher to mail a letter.

Social Security works fine as does Medicare. We have been self employed for 20 years paying our own medical insurance. The ACA is the first improvement we have seen.

Slightly lower deductible (still too high) with better coverages, lower deductible (still high at $6000).

As far as the government not being able to do anything well, I think of Monty Pythons Life of Brian when they talking about the Romans..

Besides the internet, GPS satellites, jet engines, the interstate system, and the best defense system in history, what else has the government done?


As far as national across state line policies you need a policy from United or Assurant/Cigna.

We have Cigna and we about $1800 mo. At age 62.

My best advice is find an independent agent that reps several lines.