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.
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.