Great News for Open Enrollment 2022

RVer Insurance Exchange has great news for RVers for 2022. We can now offer you a way to “shore up” the holes in the Affordable Care Act, helping you travel with peace of mind and worry less about large, out of pocket expenses that are attached to the ACA plans. We are offering affordable options supplementing the ACA that will provide peace of mind to RVers. This coupling may be especially financially beneficial to those who have low cost ACA plans. 

Our agents are trained and licensed to assist you with your existing or new Affordable Care Act plans, and explain the benefits that will make the ACA plans portable, and out of pocket expenses more affordable by supplementing them! 

RVers beware! During open enrollment unfortunately there are unscrupulous people trying to make a fast dollar. Make sure that every product you are discussing and considering is governed by the Federal Government or benefits are registered and approved by your domicile states Department of Insurance. You should never feel pressured. Remember if it sounds too good to be true it probably is! 

Cartoon of main bailing out small boat with holes.
Shore up those holes in your ACA plan before Open Enrollment 2022

When Is Open Enrollment For Health Insurance 2022

Under Age 65 Health Insurance Open Enrollment 2022 for The Affordable Care Act begins Monday November 1, 2021 for new enrollments and plan changes for 2022, for those currently insured through the marketplace. This year, there is a 30 day extension to this enrollment period, meaning you will be able to make changes to current coverage or newly enroll until January 15, 2022! 

Do I Have To Participate in Open Enrollment 2022?

There is no penalty for not enrolling in an Affordable Care Plan. For some however, there may be financial incentives to enroll.  If you are currently on an ACA plan please, contact RVer Insurance Exchange for a review as there are some new plan options and new insurance companies for Open Enrollment 2022. Whether you are a returning user of ACA plans or a first timer, remember that using the services of a knowledgeable agent that is familiar with the RV lifestyle is a no cost benefit to you. 

Open Enrollment 2022 begins November 1, 2021 and extends until January 15, 2022.

Affordable Care Act in 2022

The Affordable Care is an income-based health insurance exchange program designed to provide affordable health insurance. Fourteen states have their own state health insurance exchange These states will assist you with your tax credits. California, Colorado, Connecticut, Idaho, Massachusetts, Maryland, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Vermont and Washington.

Other states rely on (the Federal Government) to assist their residents with their tax credits. For the most part Affordable Care Act Plans are HMO Networks (Health Maintenance Organization) and a few may offer POS (Point of Service) networks.

Tax Credits

Some people, based on income, can receive a tax credit that reduces their health insurance premiums by a small percentage, potentially down to zero. Some may receive a cost sharing reduction (reducing their financial liabilities) for deductibles and out of pocket maximum. The out-of-pocket limit for a Marketplace plan can not be more than $8,700 for an individual and $17,400 for a family annually.

Do Affordable Care Plans Work for RVers?

Affordable Care Plans are state-based networks generally mapped out by county. You must stay in-network, and select a primary physician. In most instances you can not seek services outside of your county except for a medical emergency as defined by the health insurance company.  

For RVers, the network shortfalls of the Affordable Care Act health insurance can cause stress, especially if you are a physically active RVer or a sportsman. When you purchase health insurance it needs to work for you, wherever you are. 


Our agents are specifically trained to help people enjoying the RV lifestyle with health insurance benefits that travel with you. Our services are at no cost to you. Reviewing your benefits each year is important and a few minutes now may save you hundreds of dollars in insurance premiums and/or out of pocket expenses and just as important provide you peace of mind. Get a free health insurance quote today from RVer Insurance and be ready for Open Enrollment 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.