state of domicile and healthcare.gov insurance

[rec]

Okay -- I need some help regarding state of domicile and health insurance as a full-timer. I've been a SD resident since I hit the road five and a half years ago, but Golden Rule refuses to provide me with my legally required free preventive care appointment (because I got my insurance policy before ACA was passed) -- nor are they issuing new policies in SD after January 1. I was excited to find that I would be eligible for an 85% subsidy through the healthcare.gov marketplace, and signed up for Dakotacare (the only one with a national network of providers). Then I got a call from my supposed new health insurance informing me that since I'm an RVer and don't live at least 6 months of the year in SD, I'm ineligible for coverage. So now there is NO marketplace plan in my state that will cover me as an RVer -- fantastico. I can either keep the crappy costs-me-an-arm-and-a-leg-and-covers-nothing-not-even-my-"mandatory"-free-annual-exam policy I have, or look into changing my state of domicile to one that's more RV-friendly. I choose plan "b."

Florida doesn't excite me because it's going to make ALL of my insurance and other expenses (vehicle, business, etc.) go up. I am considering possibly Texas or Nevada, but would be willing to look at other states. However, the one thing I do NOT want to do is make the switch and then find myself in the same boat health-insurance-wise, having no one that will cover me as I travel. I'd like to hear from younger not-retired working full-timers who have gotten subsidized insurance through the healthcare.gov marketplace in various states -- to hear your opinions, what sorts of rates you're looking at, and what your coverage/national selection of providers is like (if you don't mind sharing). Thanks!

[Air Apparent]

Ramona:

You will probably get a lot more answers to this specific question over on the Escapees forum http://www.rvnetwork.com/ since they probably have many more fulltiming members who have domicile in South Dakota and are facing this same problem. It is my belief that people fulltiming in Airstreams account for 1.5% of all fulltimers.

The Airforums are great for all thing Airstreaming.

As you are probably aware, Escapees was formed by fulltimers to provide support services for fulltimers. Today they also cover more (i.e extended timers and wannabees).

Here is a link http://www.technomadia.com/2013/11/chapter-12-healthcare-and-staying-healthy-on-the-road-2/ to an article by a fulltiming couple who domiciled in South Dakota and made the switch last year to Florida.

I am interested in seeing the answer to your question because in a few years we are planning on fulltiming.

[BoldAdventure]

Technomadia's article information is great. We currently live in FL, but are planning on going Fulltime Jan 2015. I've been considering SD myself, but just keeping FL might make life easier.

Wish I could be of help here, we're in our early 30's and just had a child, but we have excellent insurance thru Blue Cross/Blue Shield. Although we will be fulltiming soon, and are researching ourselves how this is going to effect us in the long run.

[Pagey]

I have "shopped" insurance rates for us in FL and Texas. As far as finding coverage for us that will allow us to be covered as we travel, Texas came up with the better coverage for less money.