An Affordable Care Act Plan Can be Anything But – We Break It Down

Yogi Berra once said, “When you get to the fork in the road take it”! When it comes to health insurance for RVers that is really good advice. There are essentially two options available for RVers to insure their health: the government sponsored Affordable Care Act health insurance through either with or without a tax credit (if you qualify), or  non-government options through a private health insurance company. One plan is restrictive and the other is open and flexible. Care to take a guess and which is which?

RVers Have the Freedom to Choose

There is no longer a mandate to purchase a government sponsored health plan unless you domicile in a state that has its own health insurance exchange (and that can be remedied with a domicile change). You now have the freedom to choose how you will insure your health, meaning you can consider a more flexible benefit option. 

The Affordable Care plans have no underwriting, this means that health insurance is available no matter your health status. High claims drive premium costs up. The Affordable Care Act plan rates have increased by 24% for 2023. This increase gets passed on to you, with or without a financially subsidized plan. 

In today’s inflationary economy some people believe they have put their RVing dream on hold because they don’t understand they do have the option to purchase unrestricted health insurance plans. 

Below is a brief side by side comparison of cost using identical services for an Affordable Care Act plan, and the costs of a plan offered through a private insurance company. 

apples and oranges being compared on a scale

Affordable Care Act vs Non-Government PPO 

 Example Couple 62 Years Old Zip Code 77399 (Texas)

ACA Silver Level Cost & BenefitsPPO Fixed Benefits (Nationwide)
Tax Credit (Subsidy) $1,842.00 monthly
Plan Cost w/o Tax Credit $2,396 monthly
PPO Health Cost $561.39 + $269.76 = $831.15 monthly
All benefits costs are “In network” No “Out of Network” Except emergency room only.Benefits are fixed In Network or Out of Network
Family deductible $6,150.00 
Family Out of Pocket Maximum $18,200
Per person deductible $5,000
Out of pocket maximum before benefits pay $0
Office visits 50% coinsurance after deductiblePlan pays $120.00 per visit up to 20 visits per year per person. (deductible waived)
Specialist 50% Co-insurance after deductiblePlan Pays $150.00 for two visits then reverts to $120 up to 20 visits per year
Imaging 40% after deductibleMRI, PET, CAT Scan or Nuclear Testing $500 per day up to $6,000 per person per year
Inpatient Hospital $850 Copay per stay with deductible then 50% coinsurance after deductible. Pays $0 out of networkDeductible $5,000 then pays $3000 per day.

Stop Wondering Talk to Our Agents for Free

Health insurance is unique to each person and there is not a “one size fits all option”. If you would like to clear the “fog” keeping you dazed and confused we can help. The team at RVer Insurance Exchange can help you understand your options in fifteen minutes or less and for free. We are real RVers helping other RVers get on the road with confidence, knowing that their health insurance policy will travel with them. 

Coleen Elkins

Coleen Elkins

Coleen Elkins is the Managing General Agent at RV Insurance Benefits, and has been a full-time RVer since 2008.