Health insurance for vagabonds?
January 20, 2012 9:01 AM Subscribe
Health insurance for vagabonds? (How can I purchase health insurance when I'm in between fixed addresses/states?)
posted by anonymous to Health & Fitness (5 answers total) 2 users marked this as a favorite
Call it unfortunate timing. My New York COBRA expires at the end of the month. For the past six years, I've been living in New York City, but at the end of December I let my New York apartment go and have returned, at least temporarily, to the state where I grew up. My things are in storage in New York, and the USPS is forwarding mail to my parents' house, where I am staying.
Basically, I need to purchase health insurance, but I'm unsure whether it would be appropriate (or even legal) to represent myself as a resident of New York. It's entirely possible that I'll return there in a few months, though it's also entirely possible that I won't. I can produce things like utility bills and other 'proofs of address' for New York up through the end of December—and I'm not signing a lease, taking on utility bills, or doing any other kinds of official moving-in type things here—but I feel uneasy about repping myself as a New York resident, in case it could cause denial of major claims, should they occur. I am no longer on a lease in New York. On the other hand, I don't really feel like a "resident" here, either. I feel like someone on an extended trip. The idea is that I'm just here temporarily until I figure out what is next.
For what it's worth, the state I'm in now is Virginia. I'm a sole proprietor (file a schedule C on my taxes). I'll probably figure out where I'm living permanently within the next three to six months, but I don't want to be uninsured during that time. I'm most concerned about being covered for catastrophic costs in the case of a horrible accident or similar, though I'd like to be on a decent, not simply bare-bones plan if possible.
I'm investigating sole-proprietor options for New York residents, and may apply to one, but am feeling uneasy about it. Does anyone have insight into the legal issues, or advice? Is there any kind of insurance that doesn't 'care' where you live? Surely there has to be some way I can get myself covered, either by a New York plan, a Virginia plan, or some other off-the-wall option?