Full time RVers under age 65 (pre-Medicare) who have to purchase their own health insurance, really need a PPO health plan with a nationwide network of doctors, hospitals, clinics, etc.
Because if you’re traveling around the country in an RV, it’s not practical to return to your home state every time you need to see a doctor. (If you’re over 65 and on Medicare, your health care plan works in every state.)
Also, just because a health plan is called a PPO doesn’t mean the plan has a national provider network. Make sure your PPO plan has a national provider network. Typically this means a Blue Cross Blue Shield (BCBS) health plan.
In fact a national provider network is probably more important that the plan type (PPO). For example, currently BCBS offers EPO plans in Florida that provide a national provider network. Always look at the plan details!
So if you’re under 65 and need to buy your own health insurance, you basically have 3 options:
- Affordable Care Act (ACA or “Obamacare”) — these are called “on-exchange” health plans, and you are eligible for a subsidy in you purchase on plan here (www.healthcare.gov). You can also check out ACA plans here (www.healthsherpa.com).
- Off Exchange — these private health plans are typically offered by health insurance companies, but you will not qualify for a subsidy if you buy an off-exchange health plan. See finder.healthcare.gov.
- Healthshare Ministries — health “sharing” plans offered by religious organizations. These plans are not health insurance, and usually have limitations on pre-existing conditions.
For Option 1 (Obamacare), here are the states with PPO plans for 2015-2016:
These plans will be changed on January 1, 2017. Remember, not all PPO plans offer nationwide networks.