Health Sharing for RV Nomads and Full-Time Travelers
Health sharing has no provider networks — you can see any doctor in any state, anytime. That makes it the most practical coverage for full-time RVers, digital nomads, and traveling families. Zion HealthShare is the best general-purpose pick ($114–$320/mo individual). CrowdHealth is cheapest under 55 ($60–$200/mo). Skip CHM and Samaritan if you need telehealth — neither covers it.
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The single biggest problem with ACA insurance for full-time travelers: networks. Marketplace plans are tied to a specific state and a regional provider network. Cross state lines and you're out-of-network everywhere — paying full retail. Health sharing has no networks at most plans, which makes it the de facto choice for the RV/nomad community.
No-Network Plans (Any Doctor, Any State)
| Plan | Individual | Telehealth | Faith Required | States Excluded |
|---|---|---|---|---|
| Zion HealthShare | $114–$320 | Yes | No | WA |
| CrowdHealth | $60–$200 | Yes | No | CA, DC, MA, NJ, RI, VT |
| Medi-Share | $115–$470 | Yes | Yes | None |
| Sedera | $153–$742 | Yes | No | AK, HI, IL, ME, MD, NH, PA, VT, WA |
| CHM (Christian Healthcare Ministries) | $115–$299 | No | Yes | None |
| Samaritan Ministries | $199–$365 | No | Yes | None |
| Knew Health | $142–$379 | Yes | No | None |
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Find My Plan (2 min) →What Nomads Actually Need from a Plan
Four things matter more for nomadic life than for stationary households:
- Telehealth. When you're 60 miles from the nearest urgent care, telehealth is essential. Zion, CrowdHealth, Sedera, Knew Health, and Medi-Share all include it. CHM and Samaritan don't.
- Modern claims process. Mailed paperwork doesn't work when your address changes every two weeks. App-based plans (CrowdHealth, Zion) make this painless.
- National domicile flexibility. Verify your domicile state isn't excluded. Sedera excludes 7 states; check your specific state.
- Pre-existing condition flexibility. If you have managed HBP, cholesterol, or type 2 diabetes, Zion's day-1 sharing eliminates the waiting period that would otherwise complicate travel.
The Best Picks by Use Case
Full-time RV couple, 40s–50s, healthy: Zion HealthShare. $205–$617/mo for a couple, day-1 sharing for the common managed conditions, app-based claims, accepted in 49 states.
Digital nomad, under 35, healthy: CrowdHealth. $60–$200/mo, app-first member experience, no state exclusions, no faith requirement. Accept the 2-year pre-existing exclusion if you don't have any conditions.
Traveling family with kids: Zion ($334–$899/mo family) or CrowdHealth ($240–$660/mo family for healthy households under 55). Both have national coverage and telehealth. Avoid CHM unless you want to coordinate paperwork-heavy claims from the road.
Snowbird couple (winter in FL/AZ, summer in MN/WA): Zion is the cleanest fit because of its 49-state availability. Note: Zion currently excludes Washington — if WA is one of your stops, you'll still get coverage there as a visitor, but your home base can't be WA.
The International Travel Question
Most health sharing plans share emergency stabilization abroad but don't cover routine international care. For nomads who spend significant time outside the US, pair your plan with World Nomads or SafetyWing travel medical insurance. That hybrid (US health sharing + travel medical) is typically $200–$400/month total — vs $800+/month for a comparable international PPO plan. For digital nomads splitting time between the US and abroad, this is the sweet spot.
The Bottom Line
Zion HealthShare is the best general-purpose pick for full-time travelers — no network restrictions, day-1 sharing for managed HBP/cholesterol/diabetes, app-based claims, accepted in 49 states. CrowdHealth is the budget pick if you're under 55 and willing to accept the 2-year pre-existing condition exclusion. Pair either plan with World Nomads or SafetyWing travel medical if you spend meaningful time outside the US. Skip CHM and Samaritan unless you're committed to their faith requirements — the lack of telehealth is a real handicap for road life.
Frequently Asked Questions
Why is health sharing better than ACA for full-time travelers?
ACA marketplace plans are state-specific and use regional provider networks. If you live in your RV and cross state lines monthly, ACA networks mean you are constantly out-of-network — paying full self-pay rates everywhere except home. Health sharing plans have no networks at most ministries. Zion, CrowdHealth, Sedera, Knew Health, Medi-Share, and Samaritan all let you see any doctor in any state. For full-time nomads, this is the difference between coverage that actually works and coverage that exists only on paper.
What state do I claim as my "home base" for health sharing?
You list your legal domicile — the state where you have your driver's license, voter registration, and mail forwarding. For most full-time RVers, this is Texas, Florida, or South Dakota (the three big domicile states for nomads). Health sharing plans accept any US state as your domicile and don't require you to actually live there. The only catch: some plans have state-specific exclusions. Sedera, for example, can't accept members in AK, HI, IL, ME, MD, NH, PA, and several others. Verify your domicile state is supported before enrolling.
Can I use health sharing while traveling internationally?
Health sharing plans share US-based medical care. International travel is generally not covered for routine care, but most plans share emergency care abroad if you need stabilization to return home. Specifics vary: CHM and Samaritan have explicit international guidelines for missionary members. Most other plans treat international travel as a member-pays-up-front scenario where you submit for reimbursement. If you spend significant time outside the US, pair your health sharing plan with travel medical insurance (typically $30–$80/month for comprehensive international coverage). That hybrid is much cheaper than international ACA-equivalent plans.
Which plan is best for a couple in their 40s living full-time on the road?
Zion HealthShare is the strongest fit. Couple pricing $205–$617/month, no network restrictions, day-1 sharing for HBP/cholesterol/diabetes, no faith requirement, and accepted in 49 states (excludes WA). For couples on a tighter budget who are healthy and under 55, CrowdHealth at $120–$400/month is the cheapest option — accept the 2-year pre-existing condition exclusion. Sedera is the runner-up for couples with managed health conditions that fall outside Zion's day-1 list. Avoid CHM and Samaritan if you want telehealth — neither covers it, and telehealth is essential for travelers who can't easily get to a doctor.
How do I file a claim from the road?
Most plans handle claims through an online member portal — upload your itemized bill, get a sharing determination, and the plan pays the provider directly or reimburses you. CrowdHealth has the most modern app-first experience. Zion and Sedera have solid online portals. Medi-Share runs more traditional paperwork-based claims (some online, some mail-in). For nomads who change locations weekly, an app-first plan like CrowdHealth or Zion is much easier to live with than Medi-Share or Samaritan, where mailed paperwork chases you across the country.
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