Moving to another state brings with it a slew of considerations and changes, one of the most crucial being health insurance. Whether you can keep your current health insurance after moving to another state depends on the type of insurance you have, the specifics of your current policy, and the regulations of the state you’re moving to. Let’s break down the main factors you need to consider and what steps you might need to take.
Types of Health Insurance
Employer-Sponsored Insurance
If your
health insurance is provided through your employer, you may be able to keep your current insurance plan, depending on whether your employer operates in your new state and if the insurance provider offers coverage there. Large companies often have plans that are valid across state lines, but it’s crucial to check with your HR department or benefits manager. If your company doesn’t operate in your new state or your current plan isn’t available, you may need to switch to a new plan offered by your employer that provides coverage in your new location.
Marketplace Insurance
For health insurance purchased through the Affordable Care Act (ACA) Marketplace, moving to a new state almost always requires you to enroll in a new plan in your new state. Since each state has its own marketplace (either state-run or federally facilitated through Healthcare.gov), your current plan won’t transfer over. This move qualifies you for a Special Enrollment Period (SEP), allowing you to enroll outside the regular Open Enrollment Period. You’ll need to act quickly, though, as the SEP typically lasts 60 days from the date of your move.
Medicaid
Medicaid is administered by states and eligibility criteria can vary significantly from one state to another. If you’re on Medicaid and moving to a different state, you cannot keep your current Medicaid coverage. You will need to apply for Medicaid in your new state and meet its eligibility requirements, which might differ from your previous state.
Medicare
For those on Medicare, moving to another state is a bit simpler. Since Medicare is a federal program, your coverage moves with you. However, if you have a Medicare Advantage plan or a Part D prescription plan, you may need to select a new plan that operates in your new state, as these plans are offered by private insurers with specific service areas.
Steps to Take When Moving
- Notify Your Insurance Company: As soon as you know you’re moving, contact your insurance provider to find out if your coverage can move with you or what options are available in your new state.
- Explore the New State’s Marketplace: If you need to find new coverage, visiting the ACA Marketplace website for your new state is a good starting point. You can compare plans and see what subsidies you might qualify for.
- Consider the Special Enrollment Period: Understand the deadlines associated with the SEP to ensure you don’t end up with a gap in coverage. For Marketplace plans, the SEP usually starts 60 days before your move and ends 60 days after.
- Check for Employer-Sponsored Options: If you’re starting a new job, inquire about health insurance options and enrollment periods to align your coverage with your move.
- Update Your Address: Once you have moved, update your address with your new insurance provider to ensure that all communications reach you and to avoid any issues with your coverage.
- Understand the New State’s Health Care System: Each state can have different rules and networks for health care. Familiarize yourself with the healthcare providers in your new area, especially if you have ongoing health needs.
Conclusion
The ability to keep your health insurance after moving to another state largely depends on the type of insurance you have and where you’re moving. It’s important to start this process early, to minimize any gaps in your coverage and ensure a smooth transition. While the task may seem daunting, understanding your options and acting promptly will help maintain your health care coverage and peace of mind during your move.
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