Is South Dakota Still A Good Domicile Option For RVers?

Let’s face it, it is really hard to beat free or almost free health insurance. Having a health plan offered through the Affordable Care Act , or ACA, can save you a lot of money on your health insurance when you receive a tax credit or subsidy. The problem is, if you are leaving your domicile state with your ACA health plan, you just left your plan’s “service area”. 

Leaving Your Service Area Means Leaving Your Benefits

When you leave your service area, your HMO health plan only provides services for a medical emergency, as defined by the health insurance company. For example, say that you are spending your winter playing pickleball in the beautiful state of Arizona, and you fall and think you have broken your ankle. You go straight to the emergency room and wait two hours to find out you only have a bad sprain. A bad sprain is not considered a medical emergency, and the entire expense of the visit to the ER may be on you

The Domicile Problem In South Dakota

South Dakota is special to many full-time RVers. Some of us call it “home” because it serves as our domicile state, or legal residence. Over the past few years health plan insurance companies in South Dakota have been cross checking addresses frequently used by full-time RVers when they enroll in their health plans. 

RVers that domicile in South Dakota and enroll in health insurance are receiving letters from the insurance company, often months after enrollment, asking them to provide a utility bill to verify their residence. If the insured does not provide the documentation requested, they are dis-enrolled from the health plan. 

Alternatives To An ACA Plan

RVer Insurance Exchange agents understand first hand how devastating that could be. Most of our agents are full-time RVers themselves, while others are wannabes that RV as often as they can. RVer Insurance offers alternatives to the ACA plans. These alternatives give you control of your healthcare. These plans offer affordable nationwide benefits and have flexible plan designs that help you control your cost and keep more of your money in your pocket book. 

Open Enrollment 2022

Under age 65 open enrollment is happening right now, and ends January 15, 2022. Now is the time for you to review your health insurance options and make sure your health insurance plan is a good fit for your RV lifestyle, and a good value. 


RVers need the flexibility to domicile wherever they want, but it shouldn’t prevent you from getting proper health insurance. Don’t wait, and don’t wonder….visit RVer Insurance and get a free health insurance quote and get ready for RVing in 2022!

Coleen Elkins

Coleen Elkins

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