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Health Insurance for Full-time RVers

Nancy W. asks...
(Where can full-time RVers get medical insurance coverage?)

Because we are not yet medicare age, what health insurance company will insure us any place in the US? We will probably establish residency in Florida so we can get our tags and vote. Would we need to get insurance in Florida or are there insurance companies who insure you no matter where you live or are located?


Medical insurance coverage has been our biggest dilemma for full-timing. My husband must take monthly medicine. Does anyone out there in full-timing land know what we can do or can you give us some information? Thank you in advance.

Coleen, the RVing editor replies:

Hi Nancy,

Yes, medical insurance is available that provides coverage for RVers when they travel outside of their home state. It's expensive. It often comes with a high deductible.

If you have pre-existing conditions, have hobbies the insurance industry considers dangerous, or if you weigh more than their charts indicate that you should, it may be extremely difficult to find a company that will accept you. Some states have what they call "high risk" pools to provide coverage to those who have been denied coverage in the free market.

I have written and posted an article on this website with some general information about health insurance options for full-time RVers. You'll find it by clicking here.

Readers, if you have more specific information or know of a particular insurance company that covers full-time RVers, or if you'd like to share what you are doing to cover your medical expenses, please use the comment button below and help Nancy and others who are wondering.

Go to the RV Life and Travel blog.

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