for the road less mapped
Health coverage for life on the road.
Domicile-aware ACA plans, multi-state networks, and licensed advisors who understand mail forwarders, residency, and life without an address.
currently serving travelers in 38 states + Canada (sometimes)
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Who's on the road?
Real travelers, real rigs, real lives — we built coverage for all of them.
the big one
Your domicile state is everything.
01
Your plan lives in your domicile state.
ACA marketplace plans are issued by the state where you maintain your legal residency — not where your tires are parked.
02
Mail forwarders count (sometimes).
States like FL, SD, and TX accept mail-forwarder addresses for domicile. Others don't. Choosing well changes your premiums and subsidies.
03
Networks travel differently.
PPO and national networks travel best. HMOs lock you to one region — risky when 'home' moves weekly.
DOMICILE-FRIENDLY
Common van-life domiciles
Florida
No state income tax. Strong ACA marketplace with multiple PPO carriers. Mail-forwarder addresses widely accepted.
South Dakota
No state income tax. Easy 1-day residency setup. ACA marketplace is smaller — plan options are limited.
Texas
No state income tax. Large ACA marketplace and national PPO options. Good for full-time RV families.
pick your route
Plans that travel with you.
BEST FOR
DOMICILE-STATE COVERAGE
ACA Marketplace
- ●Subsidies based on income
- ●Pre-existing conditions covered
- ●Issued by your domicile state
- ●Open enrollment & SEPs
BEST FOR
MULTI-STATE TRAVELERS
National PPO Plan
- ●Nationwide provider network
- ●In-network in 50 states
- ●Specialist access on the road
- ●Higher premium, more freedom
BEST FOR
MINIMAL ON-ROAD CARE
Telehealth-First
- ●Virtual visits 24/7
- ●Mental health included
- ●Prescription delivery anywhere
- ●Lower monthly premium
BEST FOR
HEALTHY FULL-TIMERS UNDER 30
Catastrophic + Emergency
- ●Low monthly cost
- ●ER & hospital coverage
- ●3 primary-care visits/year
- ●Pairs well with HSA
the journey
Three stops on the route.
01
STOP 01
Tell us your domicile state and route
Where you're registered, where you're parked this month, and where you're headed next.
02
STOP 02
We map you to compatible plans
A licensed advisor matches your domicile, income, and travel range to ACA and PPO options.
03
STOP 03
Enroll and hit the road
Sign on the dotted line, get your card by mail forwarder, and roll out covered.
from the field
Postcards from the road.
Sara & Mike
full-time van lifers · domicile SD · currently CO
"We bounced between three brokers who didn't get mail forwarders. Road Life set us up on an SD ACA plan with a national PPO bolt-on in an afternoon."
Diego R.
solo skoolie · domicile FL · currently OR
"Freelance income changes month to month. They walked me through estimating it for ACA subsidies — got my premium under $80."
The Hendersons
retired RVers · domicile TX · currently AZ
"We needed a bridge year before Medicare. Road Life found a TX plan that travels with us — and an advisor who actually answers when we call."
your turn →
Get your road plan.
A licensed advisor follows up within one business day. No spam, no pressure.
honest answers
Frequent questions from the road.
Your domicile is your legal home base — the state that issues your driver's license, where you vote, and where you file taxes. For health insurance, your domicile state determines which ACA marketplace plans you're eligible for and the network of in-state providers.
save for later
Save these for the road.
The Van Lifer's Health Insurance Guide
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Full-Time RVer Domicile State Comparison
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