Need health care?
Are you considering full-time RV travel? For those who are not at retirement age, finding reasonable health insurance is often the biggest challenge.
The first step is choosing your domicle. Full-time RVers can choose a new domicile or tax home that is beneficial to them tax-wise. Many working RVers choose one of the no-state-income tax states like Texas, South Dakota, Wyoming, Nevada, Washington, Alaska. Other states have no state income tax but tax other things that could have an impact. Health insurance should be part of that decision. You can look at Consumer Guides for Getting and Keeping Health Insurance for the states you are considering and see what your protections are in that state.
Once you have a state in mind and want to check specific ratings of companies, see the National Committee for Quality Assurance (NCQA). Work with an independent insurance broker in your domicile to suggest policies. They are knowledgeable about all or most policies written in their state and do not charge a fee.
Before deciding on a policy, check with the state insurance department to make sure the insurance company is regulated there and what their track record is. Some insurance companies have left a state to "dump" high risk members, later returning to start anew. Also be wary of insurance policies written through an association. They may come under different regulations and your protections not as great.
Learn about Jaimie Hall's recently revised book, Support Your RV LIfestyle! An Insider's Guide to Working on the Road, 2nd ed., at RVBookstore.com.
The first step is choosing your domicle. Full-time RVers can choose a new domicile or tax home that is beneficial to them tax-wise. Many working RVers choose one of the no-state-income tax states like Texas, South Dakota, Wyoming, Nevada, Washington, Alaska. Other states have no state income tax but tax other things that could have an impact. Health insurance should be part of that decision. You can look at Consumer Guides for Getting and Keeping Health Insurance for the states you are considering and see what your protections are in that state.
Once you have a state in mind and want to check specific ratings of companies, see the National Committee for Quality Assurance (NCQA). Work with an independent insurance broker in your domicile to suggest policies. They are knowledgeable about all or most policies written in their state and do not charge a fee.
Before deciding on a policy, check with the state insurance department to make sure the insurance company is regulated there and what their track record is. Some insurance companies have left a state to "dump" high risk members, later returning to start anew. Also be wary of insurance policies written through an association. They may come under different regulations and your protections not as great.
Learn about Jaimie Hall's recently revised book, Support Your RV LIfestyle! An Insider's Guide to Working on the Road, 2nd ed., at RVBookstore.com.
posted by Jaimie Hall-Bruzenak at
6:31 PM
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