Regardless of the underlying reason for moving, moving to a different state can be a huge hassle. From finding a new place to live and choosing the best interstate movers to packing your things and making it through moving day, moving out of state is hard work.
With so many tasks to complete and things to think about when moving from one state to another, it’s quite easy to stop taking care of important work. And this is the perfect example of a task you can easily forget about after a chaotic move is over: not changing your health insurance when you move out of state.
You need to make sure you have adequate coverage to get the health care you may need no matter what state you’ve moved to. Postponing getting new health coverage in the destination state is a big risk. What happens if you get sick or injured during a period when you are not covered? you could end up paying huge medical bills out of pocket and that’s not what you want to see happen.
Keep reading to learn how to change health insurance when you move out of state.
do you have to change health insurance after moving to another state?
In most cases, when you move to another state, you can’t keep the health insurance plan from your old state. What this means is that to maintain coverage, you must enroll in a new health insurance plan when you start a new company, look for a new job, work part-time, or when you are self-employed. -employed if you plan to stay home but aren’t retired or disabled, then you also need to get new health coverage after moving to a new state.
The only scenario in which you won’t need to change your health insurance plan after moving to a new state is when you stay with the same employer. So if you work for a large company and they send you to one of their business locations in another state, you’ll likely find that your health coverage remains the same even after you move out of state.
So the short answer is yes – you should get a new health insurance plan when you move from state to state, unless your move is work-related (the company you work for sends you there) . The reason for this is that individual market health coverage is regulated and marketed at the state level.
When can you change your health insurance when moving to a new state?
Thanks to the Affordable Care Act, health insurance is guaranteed throughout the United States. status for all applicants during open enrollment and special enrollment periods that are triggered by qualifying events. The good news for you is that moving to a new state is considered a qualifying event, but with one catch: you must have had health insurance in your old state. this basically means that you cannot move to a new state with the intention of taking advantage of a special enrollment period unless you were properly insured in your old state before you moved.
then, as long as you had health insurance before you moved, you’ll get a 60-day enrollment period after the move is complete to find a new health plan. Well, you may think 60 days is a long time to take care of this post-move-in task, but it can be a bit tricky.
- first, the earliest effective date you will be eligible for health coverage will be the first day of the following month. Basically, this means you must sign up for new health insurance by the 15th of the current month for coverage to be effective the first of the next month.
- and second, you will likely have a coverage gap because once the move is complete, your old health insurance plan will not be effective in the new state and the new coverage will not be in effect either. whether or not you have a gap, and how big that gap is, will depend on when you move to the new state and how far along you are in the 60-day enrollment period when you choose new health coverage in the new state .
- step 1. visit healthcare.gov and sign in to your personal account;
- step 2. select the year you want health coverage for and the state you just moved to. if you don’t see the new state, it means that state is running its own market. You can see the list of states that run their own health insurance marketplaces here.
- step 3. click the apply or renew buttons to start a new market application.
- step 4. complete your application and you will see the health insurance plans and prices that are available to you. make your choice to complete enrollment in your new state.
see also: how to transfer medical records when moving
will you need short-term health insurance after moving to another state?
As mentioned above, you can end up with a gap in health coverage when you move from state to state, and that’s a very bad idea. keep in mind that once you leave your old state, your current health insurance policy may only cover emergencies, and that’s not enough.
check to see if you are about to have a coverage gap, and if you do, then you should seriously consider getting a short-term health insurance plan whose sole purpose is to cover you until your new health insurance policy kicks in. in effect in the new state that’s what short-term plans are designed for: to cover short periods of health insurance coverage, usually for a few weeks. The thing is, you never know what’s going to happen tomorrow, so you shouldn’t risk being left without adequate health insurance coverage, even for a short period of time.
The great thing about a short-term health insurance plan is that it goes into effect the day after you apply, so you won’t have any high-risk gaps in coverage. Please note that such short-term plans generally do not cover any pre-existing conditions and are not offered in the federal marketplace or state exchanges. Basically, you’ll need to purchase a short-term health insurance plan through a private company.
Also read: How to find a new doctor when you move
how to change your health insurance after moving to another state
Remember that it is important to have adequate health insurance coverage at all times. This way, you’ll have peace of mind knowing that if something bad happens, from a back injury during the moving process to a sudden illness that requires hospitalization, you’ll be properly insured and won’t need to drain your savings to get the medical care you need. right now.
To get a new health insurance plan after moving to another state, you’ll need to start a new Marketplace application in the new state. Health insurance marketplaces (also known as health insurance exchanges) are designed to help you easily compare the details and costs of coverage across multiple qualified health plans. such health insurance policies must meet the standards established and enforced by the federal and state governments.
The steps to start a new marketplace application and enroll in a new health insurance plan in the new state will depend on whether the new state uses healthcare.gov or its own website to offer new health coverage.
Here’s how to start a new marketplace application using the healthcare.gov website:
Note: While you’re on healthcare.gov, don’t forget to update your personal profile with the new address. go to my profile section and edit the address field.
Must Read: 5 Tips for Moving Out of State for the First Time