The big question out there for Rvers is, does healthcare exist for us? Ones physical and mental health is most important no matter your way of living. Most have the opportunity to access healthcare through their state and can even receive benefits from an employer. But did you ever wonder as someone who lives on the road full time and does not have a job that provides healthcare, how can I access the insurance I need? Most current or future nomads leave behind their corporate jobs to take on freelance work and do not have insurance readily available. Below are steps that you can take to ensure your health and well being while on the road if you need to see a doctor or require medical assistance.
Everyone out there hopes they do not get sick, but the reality is that people do get sick and sometimes it is just out of our control. I know currently health has been a big priority and when we need medical assistance, the last thing we want to worry about is how am I going to cover it.
Plans, Residency, and all things to consider
First things first, what do you want out of your healthcare plan? Take into consideration emergencies, underlying conditions you may have, current medications that you may need to acquire and how often you may need to visit a doctor. You will definitely want coverage nationwide and that is not always easy to find in all insurance policies. Healthcare options also depend on residency, so even though you are not living full time in one state this will be needed when purchasing a policy.
Establishing State Residency
To establish residency here are a few steps that you may follow. This will vary for each state and these are just recommendations made from personal experience and the experience of some friends. There are three states that are popular amongst full timer Rvers and that includes, Florida, Texas, and South Dakota. All three of these sates do not have income tax and they have low level rates for vehicle registration/car insurance.
The easiest way to deal with this, for most RVers and full-time nomads, is to see if there’s a friend or relative whose home address you can use as your own for the purposes of your driver’s license, mailing address, vehicle and voter’s registration. That way, you officially have an “address” in the state no matter where you actually may be physically. If this is not an option for you, get in contact with the state you currently reside in or wish to to get further detail on the requirements to establish residency.
Once you have your state you will need:
You need a driver’s license from that state
You must register and insure your vehicle in that state
You must register to vote in that state,
You should acquire your health insurance through that state
You’ll be responsible for paying income taxes for that state.
Health Care Options
As stated above Florida offers great and affordable benefits to their residents. If this happens to be your established residency Florida Blue, one of the state’s most prominent insurers, offers two types of Florida Blue EPO/PPO plans (Blue Select & Blue Options) which act as EPO in-state, but take advantage of an extensive and highly reputable “Blue Card” network that will function out of state as well, essentially making them PPO out of state. That makes it a great option for full time RV health insurance, and it doesn’t cost as much as you might think. Florida Blue
Affordable Care Act Marketplace is a great way to find an affordable policy that you are able to filter in your needs. Of course after establishing your residency you can come here to narrow down policies that are affordable and appropriate to you. Be sure to filter in "out of state" benefits for your policy so you are covered nationwide. ACA
Rver Insurance Exchange is a group of licensed professional; that specialize in assisting you in choosing the right insurance plan. Most of the agents are Rvers themselves making it easier for them to understand your situation and needs.
If all else fails and you are unsure where to start you can contact an insurance agent in your residing state to help you step by step on what policy will be beneficial to you. I know I have been in the situation where I have just purchased insurance to have it vs needing it. I wanted to pay the bare minimum and did not realize that when I did need it that it was not helpful in the long run. Be sure you are picking your policy based on your needs but cost effective at the same time. Find your happy medium.
If you opt out completely please reconsider even getting catastrophic plan to cover emergency services. This can be found on both ACA and RVer Insurance Exchange.
You Got This
I know this is a lot to take in but to sum it up in a nut shell, establish your residency, pick a plan that suits you, and travel your butt off!! Life doesn't stop just because you are on the road. I know this is a chore on top of all other things needed, but you got this! Stay safe and stay healthy!