I would highly suggest that you switch your domicile to Texas or Florida. Here's a post from today from a fellow full-timer under Medicare age. She has done a lot of research on this topic. It was posted on iRV2 full-timing forum. Good luck!
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Health Insurance Exchange 2015 (pre-Medicare Fulltimers)
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Ok folks, open enrollment is just about to start. You can shop exchange plan rates now on HealthSherpa. I've been playing around on the site looking at our options (PPO plans only) and want to start a thread to share results. Please NO politics.
https://www.healthsherpa.com
-> Rates vary a lot by state, as expected. SD (Avera) offers the cheapest PPO plan of the "big 3" RV states (TX, SD, FL), but the we still don't know if they will accept fulltime RVers in 2015. Latest word (last month) was "no", but they may be reconsidering. Kyle told me today that he is still waiting on a final word from them (expected sometime this week). Even if Avera accepts RVers they may not offer care (except emergency) outside of SD.
-> Subsidies vary a lot by state and zip! This was a surprise to me. TX is actually the 2nd cheapest state EXCEPT if you qualify for subsidies. Subsidies are significantly higher in FL.
Here's some numbers for 2 people (mid 40's) with and without subsidies. This is for PPO plans only:
SD Exchange (zip 57106 Minnehaha County)
Avera Bronze PPO 6200 ($6200 deductible) $492
Subsidy $60,000 level = $107 ==> $385
Subsidy $50,000 level = $186 ==> $306
Subsidy $40,000 level = $306 ==> $186
FL Exchange (SKP Bushnell zip 33513)
Assurant Bronze PPO 001 ($6000 deductible) $622/mo
Subsidy $60,000 level = $177 ==> $445
Subsidy $50,000 level = $256 ==> $366
Subsidy $40,000 level = $376 ==> $246
FL Exchange (St.Brendans Isle zip 32043 Clay County)
Assurant Bronze PPO 001 ($6000 deductible) $634/mo
Subsidy $60,000 level = $221 ==> $413
Subsidy $50,000 level = $300 ==> $334
Subsidy $40,000 level = $420 ==> $214
TX Exchange (SKP Livingston zip 77351)
BCBS Bronze PPO 006 ($6000 deductible) $584/mo
Subsidy $60,000 level = $71 ==> $513
Subsidy $50,000 level = $150 ==> $434
Subsidy $40,000 level = $270 ==> $314
I have yet to look into plan details (out of network caps etc.) so I have more work to do...but this is a preliminary landscape look.
Nina
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12 paws, 40 feet and the open road
http://wheelingit.us
