If you live year round

[t-train]

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.

[CincyGus]

Many of the people under 65 that full time have one person that works FT through the internet and has insurance coverage for the family that way. Others live on a low enough income level to be able to take advantage of the subsidies for health care. Good luck in finding the solution for your dream.

[fj12ryder]

aftermath wrote:
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.

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.

[westernrvparkow]

t-train wrote:

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.

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.

[Bill_Satellite]

You just have to wait until you are 65. Then,insurance becomes something you can work with. Otherwise, getting insurance on your own has become extremely expensive or involves extremely high deductibles.

[t-train]

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]

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.

[Moderator]

Moved from ATC

[fj12ryder]

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.

...

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.

[aftermath]

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.

[jetboater454]

A lot "pay as you go" on insurance. In other words,don't have insurance and just hope nothing major happens. I opted out of my employers plan,was overly expensive at $400/month.
My medical expenses last year was under $300 for doctor visits an rx's.
I guess if you have monthly meds you would need insurance. I do know between GA and FL obamacare when I looked into the hype of you need to have it,FL was over $200 cheaper than GA. GA is a high cancer state. I stay in GA but licensed in FL.

[t-train]

My wife and I want too go south in the winter. In the spring come back north. We’re both in our 50’s. My wife carries the insurance. My wife looked into other insurance but there expensive. This is why I was asking the question. I emailed one person who lives in there camper year around with kids how they afford insurance but they never got back too me.

[DrewE]

I suspect most people do it the same way that most people do who live in houses or apartments: either it's covered by their employer (and they can work remotely or are living in their RV near where their job is), or else they are self-employed and earn enough to cover the cost of what they deem to be adequate insurance. I don't see how being in an RV alters that question one way or the other.