Hi Everyone. Well, after 15 years the RV-Dreams Community Forum is coming to an end. Since it began in August 2005, we've had 58 Million page views, 124,000 posts, and we've spent about $15,000 to keep this valuable resource for RVers free and open. But since we are now off the road and have settled down for the next chapter of our lives, we are taking the Forum down effective June 30, 2021. It has been a tough decision, but it is now time.
We want to thank all of our members for their participation and input over the years, and we want to especially thank those that have acted as Moderators for us during our amazing journey living and traveling in our RV and growing the RV-Dreams Family. We will be forever proud to have been founders of this Forum and to have been supported by such a wonderful community. Thank you all!!
DW and I are working through the issues involved in full-timing, and now we're trying to determine where to establish our new domicile. As most of the full-time community has already determined the 3 states that are the most attractive for relocation are TX, FL and SD. It's pretty easy to estimate most of the costs we will incur (sales/vehicle tax, registration, licensing fees, income taxes, mail forwarding, etc.) through some basic internet research.
However, when it comes to health insurance costs/policies/programs available in each state I'm stumped. I know we'll need insurance from a carrier licensed to operate within the state we choose to move to and we know we'll need a policy with good out-of-network coverage and that's where my knowledge ends. I've tried to read every post on numerous forums regarding domicile selection and health insurance. Most of the questions and answers are all similar in that they reference the fact that 'everyone's circumstances are different and you need to do your own research' - OK, got that.
So where do we do our own research regarding health care? The ACA just makes this even more complicated. I've tried logging onto state health care exchanges but I can't provide all the info they require so I can't get any insurance quotes (I thought I could game the systems to research this - wrong).
Can anyone comment on what you've found? Has anyone changed their domicile as a result of insurance choices?
Can anyone comment on which state has more choice? lower premiums? more liberal out-of-network rules?
Anyone care to offer any random advice/comments/sympathy/etc.?
Thanks once again for the referral to Kyle's website. I've just spent 3+ hours on the site reading, reviewing and comparing. This seems to be exactly what I was looking for. I've been coming to this forum regularly for a few months now and never once read his banner ad. How's that for tunnel vision! Anyway calling Kyle is on my 'to do' list for next week. See you on the road soon (we hope).
I went thru Kyle as well as a "resident" of South Dakota. WellMark- BlueCross Blue Shield is whom I ended up with. Took the silver plan for convenience of a little lower deductible and added the vision to it. We don't qualify for any assistance so it was easy for us.