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07-17-2017, 10:45 AM
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#1
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Junior Member
Join Date: Jul 2017
Posts: 5
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Washington State Domicile
Hi folks. DW and I are starting to plan for retirement in the next couple of years. We've been residents of Washington for the last 20 years or so, and are looking into the pros and cons of staying domiciled in WA.
The last data on the forums seems to be from a few years ago so I thought I'd dive in and ask.
Pro:
I already have established domicile here with a long history.
No income tax
No vehicle safety inspection
No special driver's license for RVs
Relatively low annual registration fees
6 year driver's license with renew by mail.
Con:
High sales tax on RV purchase.
Emissions testing required in some counties but you can file an out of state form and not do testing until you get back.
Unknown:
Health care. We are in our early 50s so no Medicare for a bit. Washington has its own ACA exchange but I don't know if they have any PPO that you can use when traveling.
What other wisdom do you all have? Any ideas on the state of ACA with regard to Washington (yes, I know it can all change on a moment's notice but I've got to plan from something).
Thanks!
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07-17-2017, 11:36 AM
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#2
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Senior Member
Join Date: May 2009
Location: Mariposa, CA
Posts: 3,926
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Quote:
Originally Posted by ciaran
DW and I are starting to plan for retirement in the next couple of years. We've been residents of Washington for the last 20 years or so, and are looking into the pros and cons of staying domiciled in WA.
We are in our early 50s so no Medicare for a bit. Washington has its own ACA exchange but I don't know if they have any PPO that you can use when traveling.
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Wait until you're 65 to retire because you'll be eligible for Medicare then. Otherwise you'll have about a decade of paying for your own health insurance.
If you retired in 2017, you may be able to get a WA ACA health plan with a nationwide network. BCBS Regence has PPO and EPO plans that I think have national networks. You can check here: WA Exchange.
However, until the whole "repeal Obamacare" thing is settled, I wouldn't risk going full time if I had to purchase my own health insurance . . . unless of course you're cash flush.
__________________
2003 - 2010: 2004 35' National RV Sea Breeze LX 8341
2010 - 2021: 2001 41' Newmar Mountain Aire 4095
2021 - ???? : 2001 31' National RV Sea View 8311
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07-17-2017, 11:50 AM
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#3
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Junior Member
Join Date: Jul 2017
Posts: 5
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Thanks. We are not waiting until 65 - that's the point
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07-17-2017, 12:31 PM
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#4
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Senior Member
Join Date: May 2009
Location: Mariposa, CA
Posts: 3,926
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Quote:
Originally Posted by ciaran
Thanks. We are not waiting until 65 - that's the point
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Ok. Then here's a conservative estimate of what you would spend on WA ACA health insurance premiums -- just the premiums over a 10-year span . . . $166,000.
That's based on the least expensive WA PPO plan I found ($1100/mon for two 55-year-olds), figuring a 5% per year increase -- which is very conservative -- and paying full price (no subsidies).
Also check out this site: www.rverinsurance.com for other options.
__________________
2003 - 2010: 2004 35' National RV Sea Breeze LX 8341
2010 - 2021: 2001 41' Newmar Mountain Aire 4095
2021 - ???? : 2001 31' National RV Sea View 8311
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07-18-2017, 10:33 AM
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#5
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Senior Member
Alpine Owners Club
Join Date: Sep 2005
Location: Traveling in North America
Posts: 2,248
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What are you going to do about mail service. How will you vote? Jury Duty?
__________________
Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
Blog
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07-18-2017, 10:40 AM
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#6
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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As I understand it WA (been a resident for 70+ years now) requires a property address to claim residency in the state, not just a mailbox. They don't want people claiming to be residents that don't own/rent property here.
And I want to stay a WA resident yet be full timing it. Right now I still own the S&B house that my late DW and I bought over 30 years ago but I plan on trying to sell it next year.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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07-19-2017, 04:03 PM
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#7
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Junior Member
Join Date: Jul 2017
Posts: 5
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From my reading of the law (and I'm not a lawyer) a physical property residence address is only one of the factors that they take into consideration.
Here is a link to the law in the Washington Administrative Code:
WAC 250-18-030: Establishment of a domicile.
Any WA attorneys out there who want to weigh in?
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07-19-2017, 04:04 PM
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#8
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Junior Member
Join Date: Jul 2017
Posts: 5
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There are multiple mail forwarding services (some were set up for sailors, for example). Washington is a vote by mail state so that's not a problem. Jury duty - well, thats an issue. But it, like taxes, is the price we pay for our society. We would have to determine if that was enough of an issue to seek domicile elsewhere.
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07-19-2017, 09:00 PM
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#9
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Senior Member
Alpine Owners Club
Join Date: Sep 2005
Location: Traveling in North America
Posts: 2,248
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Quote:
Originally Posted by ciaran
There are multiple mail forwarding services (some were set up for sailors, for example). Washington is a vote by mail state so that's not a problem. Jury duty - well, thats an issue. But it, like taxes, is the price we pay for our society. We would have to determine if that was enough of an issue to seek domicile elsewhere.
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But will the address set up for sailors, work for you for DL/vehicle registrations/voting, etc. If so, great. When we looked at becoming WA residents again, we couldn't do it with the mail service that we found, plus we were already residents of Texas, so it made it easier to stay Texas residents.
__________________
Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
Blog
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07-19-2017, 09:14 PM
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#10
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Senior Member
Fleetwood Owners Club Ford Super Duty Owner
Join Date: Jun 2012
Location: SoCal
Posts: 15,749
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Is the emissions testing applicable to a diesel?
__________________
Vince and Susan
2011 Tiffin Phaeton 40QTH (Cummins ISC/Freightliner)
Flat towing a modified 2005 Jeep (Rubicon Wrangler)
Previously a 2002 Fleetwood Pace Arrow 37A and a 1995 Safari Trek 2830.
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07-19-2017, 09:26 PM
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#11
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Senior Member
Join Date: Aug 2015
Location: Graham, WA
Posts: 222
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With the new RTA tax included in your license tabs, (nearly 1% of your coach's MSRP), license tabs are a real consideration. This only applies if you live in Pierce, King or Snohomish Counties and is effective starting in 2017. As an example, our 2015 Ventana 4002 in Pierce County would have tabs over $3,800 but in Lewis County it is under $200. We sold our WA house last year but own commercial property in WA, are full time since April 2016, and do not own a house anywhere. We expect to be full time for at least 5 more years and then buy a home again in WA and become snowbirds. Based on all this we chose to keep our WA residency but not in Pierce County. I hope this helps and good luck on your early retirement and full timing.
__________________
Mike & Mary Favors (RUNAWAY)
2018 BayStar Sport 2812 -Replaced 2015 Ventana 4002
Emma, Margarita, Cami & Noel (Furry kids)
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07-22-2017, 10:07 AM
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#12
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Senior Member
Join Date: Mar 2009
Location: Arizona
Posts: 164
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Sorry to be jumping in this late. I maintain Washington residency and do business there as an health insurance broker.
There is only one off-Exchange PPO plan in Washington with nationwide coverage....sorta....and it's going away in 2018. There is nothing on the Exchange. A better state for nationwide coverage is Oregon, which has cheap RV registration and no sales tax. But.... it does have a pesky income tax.
With ACA likely to stay, a common strategy for my full time RV-er clients is to maintain a low income, supplement it with savings. This can maximize an ACA subsidy and keep the income tax exposure lower. YMMV
Hope this helps.
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07-22-2017, 11:29 AM
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#13
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Senior Member
Join Date: May 2009
Location: Mariposa, CA
Posts: 3,926
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Quote:
Originally Posted by Greg Schoenberg
There is only one off-Exchange PPO plan in Washington with nationwide coverage....sorta....and it's going away in 2018. There is nothing on the Exchange.
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So none of the Regence BlueShield plans offer nationwide coverage?
__________________
2003 - 2010: 2004 35' National RV Sea Breeze LX 8341
2010 - 2021: 2001 41' Newmar Mountain Aire 4095
2021 - ???? : 2001 31' National RV Sea View 8311
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07-22-2017, 09:50 PM
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#14
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Senior Member
Monaco Owners Club
Join Date: Dec 2009
Location: Underwood WA
Posts: 451
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Quote:
Originally Posted by ciaran
There are multiple mail forwarding services (some were set up for sailors, for example). Washington is a vote by mail state so that's not a problem. Jury duty - well, thats an issue. But it, like taxes, is the price we pay for our society. We would have to determine if that was enough of an issue to seek domicile elsewhere.
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We are not full time, but do spend 6+ months a year out of state. Jury duty has not been a problem. If our name comes up when we are out of state we simply tell them we are not available and why. Never an issue or problem.
__________________
Bev & Dick and Fuzzy the cat
2005 Safari Cheetah 38
2009 Honda CRV dinghy
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