Health Insurance Question - RV-Dreams Community Forum

Bozzi · RV-Dreams Community Member

Health Insurance Question

Cindy T · RV-Dreams Family Member

John,

If you use the search box on this forum & type in health, you'll find several discussions on this topic that will probably help you.

I am self employed & pay for my own health ins. Before becoming a FTer last year, I intended to change residency to S Dakota. However, I found out that if I became a S Dakota resident, my health ins cost would triple. Needless to say, I did not change residency to SD.

Cindy T

Bozzi · RV-Dreams Community Member

Thanks Cindy, I;m pretty new to the forums and didn't even think about doing a search..duhhh..
Yea I;m leaning toward keeping everything the same as residency and keeping my health insurance the same my feeling is there is to much risk in changing.
Was just wondering how other people have handled it and if there are other options.

Technomadia · RV-Dreams Family Member

We're in our late 30s, and are domiciled in SD. We each carry individual high deductible HSAs with a carrier that offers a nationwide provider network.

Best thing to do is call around, get quotes and see what works for you. Health insurance is a hassle for most anyone not working for a company that provides benefits.. not just us travelers. Our biggest problem is finding a plan that gives coverage across the country, and not just regionally based. The policy I had before I hit the road was regional and only covered me for emergencies if I was out of network... so that wasn't workable for me.

- Cherie

Workinrvers · RV-Dreams Family Member

John,

Check out ehealth.com and you can get a quote on line for various zip codes. You can simply plug in a zip from say Rapid City, SD and compare prices from your current zip code in Indiana (or anywhere else for that matter).

We found it to be a good research tool.

We are also from Indiana (Lebanon) and still maintain residency here (for now anyway). We have pur own high deductable BCBS plan but notice the price for us is a bit more for similier coverage in SD.

Good luck,

Phil

Rosie RV Thumper and Dog Dog · RV-Dreams Family Member

Also under Federal portability laws you can switch to another plan if you have a qualifying event without a health screening. Um...did I mention that I'm an insurance regulator? Check with your state insurance commissioner for help. There is a lot of information online about rates too. I'm going to have to fine my own insurance as well. My husband already has Medicare.
Rosie

NINK · RV-Dreams Family Member

If you're having any thoughts of switching to Texas, definitely get a quote for medical insurance rates. We just relocated to Texas and have been notified that our premium will be increasing $1000 per quarter when the next payment comes due. Needless to say, we're looking at other options. We, too, have a high deductible HSA, but even increasing the deductible doesn't bring the premium to a reasonable amount, or close to the amount that we're currently paying.