Moving to NH (health insurance, live, cost of)

[Georgi]

I am seriousely considering the idea to move to NH. And the reason for that is simple - I want to reduce my cost of life as much as possible. Paying for the mandatory car and health insurance here in MA is pain for me, I've heard that in NH the car insurance is not compusory. Can I drive my car with NH plates in MA still without insurance or at least I should have some basic insurance?
How about the health insurance in NH?

[fishnfool]

you really should get insurance. Even a little fender bender will end up costing you more in the long run without insurance. Insurance is cheap in NH and IMO its simply irresponsible not to have it.

I would think MA would require you to have insurance regardless of where you live.

[Georgi]

So if you drive in MA, no matter where you live, if you are stopped by the police you must have insurance, right?

[NH2008]

I believe some car insurance is required:

State-by-State Minimum Car Insurance Requirements

This isn't just to protect you (although it does); it's also to protect the rest of us. If you skid on the ice and total someone else's car, the odds of you paying out of pocket are slim.

Similarly, trying to save money by cutting health insurance will cost you more in the long run, not only because you're going to get sick or hurt eventually, but because you'll end up paying more for every appointment and prescription. And if you do need major care, which most of us do at some point, and you're uninsured, who do you think picks up the cost?

[Georgi]

Well, health insurance if affordable and if it has a good coverage is definetely something good. But the point is that even if you pay $100 monthly for an insurance you are still not covered and in case of need you will continue to pay for all medical appointments, treatment etc., because you pay only $100 a month, this is minimal and the insurance doesn't cover anything. Why should you pay a lot of money for something and getting almost no benefits for that? It doesn't make any sense!
And with the car insurance is the same story - you have some minimal coverage, you think you are all set, but then you are involved in an accident and you still have to pay from your pocket OR the insurance compony refuses to consider your claims, because you were insured for the minimum. How many people in the U.S. can afford full auto and health insurance ?!

[BF66389]

In NH there is no mandatory health insurance, and I think you'll find that car insurance (beyond minimal coverage) is rather affordable if you have a clean/no-fault record. Obviously if you don't have a clean/no-fault record, you will pay more as you deserve to (I do, because I made the choice to speed...and got caught).

I would suggest that "real" auto coverage is typically a better value than minimal; since you will actually have some protection as well.

I mean given current auto insurance rates in NH, it seems like if you have 1 "decent" accident every 8 years...GOOD coverage will pay itself off- and by decent I'm talking $2k per vehicle...which is not a very serious accident.

[njguy]

Originally Posted by Georgi

I am seriousely considering the idea to move to NH. And the reason for that is simple - I want to reduce my cost of life as much as possible. Paying for the mandatory car and health insurance here in MA is pain for me, I've heard that in NH the car insurance is not compusory. Can I drive my car with NH plates in MA still without insurance or at least I should have some basic insurance?
How about the health insurance in NH?

This is not meant to be offensive at all but I think that if possible maybe to move to an area of NH where you won't need a car and able to get a job within walking and or any public transit therefore not having any of the expenses of such.

[Newdaawn]

I would NEVER go without "liability" auto insurance coverage. If you are in an accident and someone dies or is badly injured and you have no liability insurance they could sue you and take everything you have, if the accident is your fault.