t-train
Feb 09, 2019Explorer II
If you live year round
In your camper and your not retired how do you afford health insurance? What health insurance do you have? We have looked at living full time in our camper but health insurance is high.
aftermath wrote:That was what I was thinking. If you go out of the "network" the doctors and such become very expensive. You're not denied service, just denied monetary recompense from your insurance.
I am aware of the PPO and HMO things. I have a PPO plan and when I am on the road I still get coverage although the charges are higher. If things turned bad for me I would end up paying some additional up front until the (higher) deductibles are met. Perhaps that is what the OP was talking about when he said it was expensive.
t-train wrote:If you both only work part time, your income is likely to low. You would then qualify for subsidies under the ACA. Early retirees can also play that game by living off their savings and having the bulk of their investments in instruments that appreciate and do not generate income until they are sold. This keeps the income you show on your 1040 low and that is what the subsidies are based on.aftermath wrote:
I am still a bit confused. If your wife carries the health insurance policy, why would that change just because you moved? Is her insurance only good if she lives in your current location? I thought all health insurance is portable and will move with you.
It is a sad state of affairs when people can’t afford coverage and have to just go out and take their chances. This is what we have become. We can do better.
We both would love too quit our full time jobs and live in our camper and just work part time. My wife looked into insurance if we were to just work part time and find insurance on our own. My wife said it would be expensive.
Right now we both work full time and my wife carries the insurance. I was just wondering how people afforded insurance on there own and what different options there were.
aftermath wrote:
I am still a bit confused. If your wife carries the health insurance policy, why would that change just because you moved? Is her insurance only good if she lives in your current location? I thought all health insurance is portable and will move with you.
It is a sad state of affairs when people can’t afford coverage and have to just go out and take their chances. This is what we have become. We can do better.
aftermath wrote:Not necessarily, it depends on whether it's a PPO or an HMO. And whether you need to use doctors and hospitals from within the "network". Some of those healthcare plans are very restrictive.
I am still a bit confused. If your wife carries the health insurance policy, why would that change just because you moved? Is her insurance only good if she lives in your current location? I thought all health insurance is portable and will move with you.
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