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Old 06-04-2016, 11:07 PM   #1
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Home address?

I've seen variations of this question on here in several places so I apologize ahead of time. I don't see a clear answer and maybe there isn't one, but I'm asking anyway! I really appreciate any input. We are planning to go full-time in approx. 1 month. We live on the Missouri side of Kansas City. We are putting our home on the market in a couple of days and houses here have been going under contract in a matter of days. SO, my question is what to do about a home address? We are most concerned about property taxes, voting and health insurance as we need to buy it on the exchange once our current insurance expires at the end of August. We are planning on being on the road for 1-2 years.
My biggest issue is health insurance. If we use a mail forwarding service, our health insurance will have to be through that area, correct? When I search online, I don't see any mail forwarding services located here. My family is in the KC area but even if we used one of their addresses, they are on the Kansas side and we'd have to change our plates and everything right? It all seems so complicated. We've relocated out of state before and it's truly a pia.... and I'm sure it's worse when you don't actually have a home address. Any suggestions?
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Old 06-05-2016, 06:31 AM   #2
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Quote:
Originally Posted by travelers4 View Post
We are most concerned about property taxes, voting and health insurance
If you are going to be paying property taxes, might that determine your home address?
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Old 06-05-2016, 07:30 AM   #3
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Check out Escapees. They have some programs that might interest you.

Property taxes? Do you own additional property other than your home? That may either complicate or make things easier.
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Old 06-05-2016, 08:00 AM   #4
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We get a yearly property tax bill for our cars and trailer here. It's roughly 10% of their value so can be pretty pricey.
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Old 06-05-2016, 08:18 AM   #5
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I would look at TX or FL to establish a domicile. SD won't work for you health care wise.
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Old 06-05-2016, 09:27 AM   #6
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As you claimed, and mrprez stated, health care will be the most important issue for you. Rates and coverages vary widely by state. I would figure that part out first, see what it costs to get on a program that is portable.
After that piece of the puzzle is figured out I think the issue with taxes would be the second thing to look at. Depends a lot on what type of income you expect, whether it is earned income or investment income.
Voting rights are important. I would expect you can vote the same way that students do. They may live away from "home" part of the year but still have voting rights somewhere.
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Old 06-08-2016, 08:05 AM   #7
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Welcome, travelers4. As you have read, Florida, South Dakota, and Texas are the top three States for full-timers. Since you still have to deal with private insurance, pick your new home State based on that, choosing from the top three. South Dakota probably won't work for you, but it is worth checking out anyway.

Each State has their own rules for establishing domicile, so once you make your choice be sure to find out exactly what you need to do. Check with Escapees, as they have a booklet with a title something like "How to Become a Texan."
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