4 Best Health Insurance Options for Full-Time RV Living [Updated for 2024]

RVer INSURANCE EXCHANGE

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Health insurance isn’t the first thing you think about when planning for an RV trip. However, it is vital. 

When on the road, it’s nice to know that whatever happens health-wise you’re covered. 

Shopping for health insurance, however, isn’t usually a very fun time.

That’s why, below, we’ve put together a list of some of the best health insurance options for full-time RV living.

The goal: to help you find an option for health insurance coverage that works for you. 

We’ll also talk about what to consider when shopping for health insurance as well as some additional apps and programs for a variety of health purposes. 

4 Best Health Insurance Options for Full-Time RV Living

Before we get to our list, a disclaimer: what health insurance provider, plan, and specific coverage is best will be unique to you.

Consider the below some of the generally best options for health insurance for full-time RVers. 

Beyond that, it’s important that you do your own research to decide on a plan that works for you. 

Here are our 4 best health insurance options for full-time RV living:

1. RVer Insurance Exchange

RVer insurance exchange is an insurance platform designed for RV owners, including health insurance.

RVer INSURANCE EXCHANGE 1

The main benefit of using RVer Insurance Exchange vs. another platform is that the reps at RVIE know what it’s like to be an RVer and are able to help find a policy that works for your on-the-road lifestyle. 

They’ll help you research, locate, choose, and enroll in a policy covering health, dental, and vision insurance.

2. Short-term health insurance

Short-term health insurance is an interesting option. One of the biggest benefits is that they’re some of the most affordable health insurance plans around, often being lower than traditional health insurance coverage. 

Short-term health insurance plans typically last from a few months to a year, so they’re perfect if you’re just trying to stay covered while on the road.

Alternatively, some use them long-term and simply renew every 12 months. 

The one drawback to this is each time you renew you need to get tested, which means if anything changes about your health condition your premium will go up (or, worst case scenario, you’re not approved at all). 

UNITED HEALTH

One great option touted by full-time RVers is United Health’s short-term insurance plan, which you can check out here.

3. Affordable Care Act (ACA) Marketplace

The ACA marketplace is still a great option for full-time RVers to find an affordable plan. 

The platform makes it pretty easy to find a plan and coverage that fits you, though you’ll be lacking the more one-on-one shopping experience you get from a platform like RVer Insurance Exchange.

ACA MARKETPLACE

Some RVers state that plans on the ACA marketplace tend to be higher than other options, but you’ll need to shop around yourself to compare pricing. 

4. Fixed indemnity plan

Fixed indemnity plans, or fixed benefit insurance, provide predetermined payouts for various services.

This can be nice if you have regular, predictable healthcare costs. They’re also nice because you don’t need to choose a primary care physician, making them location independent.

5 Things to Consider When Shopping for Health Insurance

Now that you know a few of the best options for finding health insurance as an RVer, let’s talk about a few things you should consider while shopping. 

Keep these points in mind while looking for a plan that works for you: 

1. Coverage

Easily overlooked, coverage isn’t something where your provider can just give you a few options and you click a bubble and be on with your life.

You need to think about factors such as pre-existing conditions, at-risk factors, medications, doctors visits, and anything else you can think of that would contribute to how much coverage you need.

Put it all together and come up with a number that is more customized to you– then get more than that to be safe (ideally, budget withstanding). 

2. Network

Different providers have different networks, which means varying levels of ease of care access. 

Consider where you’ll be traveling and how often you’ll need to visit the doctor in addition to the general size of the provider’s network when choosing a provider and plan. 

3. Limitations

All policies have exclusions and limitations. Health insurance is known for having loopholes (for them, not for you) and limitations that can make it harder for you to get your care paid for.

Before signing any agreement, make sure you’re aware of that plan’s exclusions and limitations and that they’re agreeable to you.  

4. Flexibility

Does your plan offer the ability to reduce or increase coverage easily, or switch to an entirely different plan? How restrictive is it?

Some plans make it easy to switch, while others have penalties attached. If you believe your health needs will change frequently, consider a plan that offers more flexibility in that regard. 

5. Added benefits

What other added benefits does the provider offer? Do they have a well-rated 24/7 virtual doctor (i.e. telehealth) service? Or maybe preventative care coverage? 

Consider what these are worth to you when comparing prices of different plans.

4 Best Online Resources (Platforms, Programs, and Apps) for Health Insurance, Information, and Assistance

Now, let’s talk about a few platforms you can use to not only get health insurance but obtain health-related information, medical advice, and more.

Most of these have varying purposes, but together they allow you to be better prepared when on the road for a variety of health-related matters. 

1. Zocdoc

ZOCDOC 2

Zocdoc allows you to locate care providers no matter where you are in the country, an invaluable resource when on the road.

If you’ve ever tried to contact your health insurance company to find out where your nearest provider is, you know how valuable this is. 

You can use it to search for physicians as well as dentists and vision specialists and even schedule appointments right from the platform.

2. Medjet

MEDJET 2

Medjet is one of the unique services on this list but an incredibly useful one for life on the road. 

With Medjet, you can get access to paid air travel (all the planning done for you) when an emergency hits if you’re more than 150 miles from your home.

3. K Health

KHEALTH 2

K Health is an invaluable app for getting 24/7 virtual access to doctors and other medical professionals. 

You can not only speak with doctors but set appointments, take care of lab work, get a prescription, and more.

Plus, K Health is surprisingly affordable, making it a great tool to pair with your health insurance coverage. 

4. Airvet

AIRVET 2

Similar to Zocdoc, Airvet is a 24/7 virtual doctor but for your pets.

When you’re on the road, finding medical care can be hard. Finding a vet? That can be even harder. 

Airvet offers quick access to veterinary professionals who can help you navigate potential health issues with your furry family members.

What Is the Best Health Insurance for RVers? 

The best health insurance for RVers is one which is designed with travel and distance in mind. 

Many insurance providers can work with you to put together a plan that fits those needs, especially if you use a platform designed with RVers in mind such as RVer Insurance Exchange. 

With that said, everyone’s needs are different, so the important part is that you work with a provider and a rep who is willing to listen and get you the coverage and features you specifically need. 

We hope the information above helped you get closer to finding a health insurance plan that works for you as well as some additional health resources you can use while on the road.

This post may contain affiliate links. Check out our disclosure for more information.

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