Yes, Texas is becoming a problem in 2016. In Polk County, which would be your address if you use the Escapees mail forwarding service, there are only four plans available on the exchange. All are by Blue Cross Blue Shield, and they are all HMOs. None of them provide network coverage outside the state. Now, if you can establish residency at an address in a major metro area, like Dallas, you'll have more options, because the market is more competitive. We discovered this recently as we started researching options for 2016, when we plan to start full-time in. We are now thinking that we are going to use our sons apartment address, and have him forward our mail. At his ZIP Code, there are 64 different plans on the exchange that we can pick from. If you haven't already done so, here are two excellent resources you should read: RVerInsurance.com’s RVer Guide to ACA Open Enrollment 2016: https://www.rverinsurance.com/uncategorized/rver-guide-to-2016-aca-open-enrollment/ Technomadia’s Healthcare & Health Insurance for Full Time RVers (Updated for the Affordable Care Act): http://www.technomadia.com/2013/11/chapter-12-healthcare-and-staying-healthy-on-the-road-2/ Also, the folks at RVerInsurance.com are super knowledgeable and helpful, and their services to help you find the best coverage for you cost you nothing.