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Zulu

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  1. Residency requirements for off-exchange plans are likely to be more stringent than on-change plans because with off-exchange health plans, you're dealing directly with the insurance providers.
  2. Zulu

    Planning Your Route

    Depends. In 2017, we planned on attending SXSW in Austin, TX in March and then Milwaukee, WI in Summer. We had to book months ahead for both destinations. However, in between destinations, we were free to go where & when we wanted. Next year we also have a destination that we'll have to reserve months in advance. This particular destination is mid-journey so planning is important. We now use www.rvtripwizard.com which helps a lot.
  3. Yes. I lease a Hopper 3 and it also costs $15 a month. So there is no reason to purchase a H3 unless you want two of them (1 leased, 1 owned).
  4. I told you what I would do -- Spend some time in my ACA health insurance state and travel less until Medicare. It may cramp my style, but I worry more about retaining my health insurance than seeing the sights. There may not be a definitive answer. Contact Marketplace Help.
  5. Florida. If I was under 65, just starting full timing, and needed to buy my own health insurance, I'd set up domicile in FL and make sure to spend winters in the state.
  6. There are some (many?) full timers who establish a domicile in name only. That is, they do everything on the domicile checklist (establish relationships with doctors, lawyers, churches, civic organizations, etc.), but have no intention of ever actually residing in the state. What I gleaned from the "I moved to Florida" blog is that she flew to FL, completed the FL domicile checklist, then left the state never intending to return. Other full timers are more subtle and just use quotes to describe their "move" to FL. The I-don't-need-to-ever-reside-in-my-domicile attitude has been around for a long time. For example, remember the TX Speights voting rights trial about using the Escapee's mail service? What I find interesting about the trial are the 8 people who testified at the trial. Here are what two of them said: Daniel Topping testified to being registered to vote in Polk County. He and his wife own an RV lot in Arizona, and he testified to receiving mail at Mesa, Arizona. He has never been to Polk County. Joseph Beador and Judith Beador own a summer home and an RV lot in California. The Beadors are registered voters in Polk County. He testified that neither of them have ever been to Rainbow's End. A lot of people (including yours truly) break the speed limit from time to time. But it's another thing to publicly incriminate yourself online.
  7. Please tell us more. You have ACA experience that many people here have been looking for. Tx.
  8. From a check of a dozen ND counties (out of 53), it looks like BCBS offers plans under the names SimplyBlue, BlueDirect, and BlueCare. If you check the plan Summary PDF for each plan (here's the cheapest PPO SimplyBlue Bronze 60), there's a link to Find a Doctor (ND) that takes you to a page that says: "If you're planning a trip, or temporarily reside in another state or country, you don't need to worry about health coverage in case you become sick or injured while you're away. As a member of Blue Cross Blue Shield, you're automatically part of the national BlueCard program, which means that with your BCBSND identification card, you have the freedom to choose a Blue Cross Blue Shield provider anywhere in the United States." Nevertheless, I'd call the 800-number, explain your RVer situation and be prepared to play phone tag as I don't think full time RVers are on their phone script. Finally, wouldn't it be great if some one or some RV organization did all this research for you?
  9. The ACA doesn't work that way. You apply though an exchange and don't deal with the health provider directly. Remember, health providers on the ACA have to adhere to Federal rules in order to sell insurance on the exchanges. For example, homeless people are eligible under the ACA. What does matter is residency. For example, full timers who have FL ACA insurance and are never actually in the state might have to worry.
  10. The ACA requires you to report within 30 days of a "permanent" move. If you're a full timer who never spends much time in any place, then SEP doesn't apply. However, if you work camp or winter in one place for months (not days or weeks), then you probably qualify for a SEP move. In that case you would probably use the work or winter campground as your mailing address.
  11. How do you know all the "required documents" you mentioned are necessary? Did you or someone you know try a SEP move? If you are always on the move, then using SEP isn't practical. With a SEP move you can apply up to 60 days in advance of your move, not 30.
  12. No, but we have purchased ACA policies for a couple of years. I think what you're really asking is How would I know if I've never done it myself. If so, my answer is that I'll trust what I read in the 2016 Health & Human Services FAQ and other sources on ACA residency requirements. Have you ever purchased an ACA health insurance policy?
  13. Yes, I've only checked a handful of states, but for the 2019 ACA I think these states have nationwide health insurance plans: Alaska (AK) -- Premera BCBS of AK. Preferred Plus Bronze - 6350 is the lowest cost PPO plan. Alabama (AL) -- BCBS of Alabama. Blue Saver PPO is the lowest cost PPO plan. Arkansas (AR) -- Arkansas BCBS. Bronze Plan 1 - PPO is the lowest cost plan. Florida (FL) -- Florida BCBS. Blue Select Bronze Essential 1452 or 1419 are the lowest cost plans. These are EPO plans that have nationwide networks. California (CA) -- Blue California (BCBS), Bronze 60 PPO is the lowest cost plan. There are probably more. However, make sure to fully investigate before selecting a plan. And now this . . . YOU DO NOT NEED TO ESTABLISH DOMICILE FOR ANY STATE'S ACA PLAN. One more time . . . YOU DO NOT NEED TO ESTABLISH DOMICILE FOR ANY STATE'S ACA PLAN. The ACA is concerned where you actually reside (see this 2016 Residency FAQ from the Dept of Health & Human Services), not your domicile, mailing address, etc. For example, even though you're domiciled in TX, you still could sign up for a FL ACA plan if you're in FL long enough. How long? Read that FAQ above. If you still have questions, contact Healthcare.gov. By the way, domicile and residency are not the same thing though many states act as if they are. Many times states mean "permanent resident" but only say "resident". However, for the ACA's purpose, you would be a non-permanent resident eligible under the ACA's SEP (Special Enrollment Period).
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