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Originally Posted by JSH
This is really key. I just got my 2018 W2 which now includes how much your employer paid for your healthcare. Mine paid $16,382.66 for a high deductible family plan. ($5,000 medical deductible plus $5,000 prescription deductible per person / Family Max-out-of-pocket $13,300)
That is $1,365 per month for just the premium. My company covers 100% so I'm not paying out of pocket for the premium we are lucky there. (I also picked my current employer based on generous benefits even though the pay is below average for the area)
My wife an I are looking to retire and travel the USA in a campervan. However, health insurance is a key limiting factor. We can't see shelling out $15K a year for coverage just in case we get sick or ill. We will likely end up moving out of country instead.
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That's $15K a year if you don't ever have to go to the doctor. If you do then you have to pay up to that out-of-pocket expenses. So add $13K to $15K and your health care could cost upwards of $28K a year. Plus the older you get the higher the premiums are. My parents have to pay about double what I do for the same plan.
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Originally Posted by slowmover
Versus doing the right thing and reserving a campground site. Where it’s FAR easier to spread out all the hiking gear, bathe and wash clothing. And it’s hardly an inconvenience to arrange a ride from that campground or secured parking somewhere else.
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Where I live there are a lot of camping sites and RV parks. But they all close for about 4 months out of the year.