Your current health insurance plan won't cover you in your new state — except for emergencies. Moving triggers a Special Enrollment Period, and you need to act within 60 days.
Get Coverage in My New State →ACA plans have state-specific networks. Once you move, your doctors, hospitals, and specialists in the new state are out-of-network. Only emergency care is covered.
Moving to a new coverage area (even within the same state) triggers a SEP. You have 60 days from your move date to enroll in a new plan.
Premiums vary by state. Your subsidy amount may change based on the new state's benchmark Silver plan cost. In some cases, moving to a lower-cost state significantly reduces premiums.
If you're on Medicaid, eligibility rules vary by state. Some states have expanded Medicaid, others haven't. You may gain or lose eligibility based on where you're moving.
TrustedQuotes brokers are licensed in 29 states. Moving to one of these? We can get you enrolled fast:
Moving is stressful enough. Our licensed brokers handle the health insurance switch — comparing new plans, calculating your updated subsidy, and enrolling you in days.
Get My New State Quote →Only if your doctor is in-network in your new plan. Most ACA plans are state-specific, so your current doctors likely won't be covered in your new state. When selecting a new plan, verify your preferred providers are in-network before enrolling.
Your SEP starts from your move date. Coverage in a new plan typically starts the 1st of the following month after enrollment. For the gap period, your old plan may still provide emergency-only coverage, but you should move quickly to avoid any lapse.
Yes — you must cancel your old plan once enrolled in a new one. The marketplace won't automatically cancel it. Contact your old state's marketplace or your broker to terminate the prior plan after your new coverage begins.
You can use a temporary address (hotel, family member's home) to establish your new state residency for insurance purposes. You'll update your address once settled.