Moving to a new state is exciting, but it’s important not to overlook updating your health insurance. If you don’t take action, you may face unexpected medical bills or gaps in coverage. Here’s how to make sure you stay protected as you transition.
When you move, you trigger a Special Enrollment Period (SEP), giving you 60 days to enroll in a new health plan. This is essential for continuous protection. If you had Marketplace coverage in your old state, you’ll need to log into your account, update your address, and choose a new plan. Health insurance is regulated at the state level, so you must purchase a new plan to meet the requirements in your new location.
Let your current insurer know about your move. This step triggers your SEP and gives you time to choose a new plan without a gap in coverage. If you have employer-sponsored insurance and your company operates nationwide, you might be able to keep your plan, but always check with your provider.
Once you’ve moved, research health insurance options in your new state. Health plans and regulations vary by location, so find one that best fits your needs. If you qualify for Medicaid, be sure to check how the new state’s policies differ.
Your SEP gives you 60 days to select a new health plan. Make sure you were insured before the move to qualify for this window. This is your chance to compare plans and ensure you have the right coverage.
When you move to a new state, updating your health insurance information is crucial to ensure you don’t lose coverage or pay for a plan that doesn’t apply to your new location. Here’s a step-by-step guide on how to report your move through the Health Insurance Marketplace:
Visit HealthCare.gov and sign in with your account details. If your new state has its own Marketplace, you’ll need to visit their official site instead.
Once logged in, go to your current applications, and select the coverage year and your new state. If you’re moving to a state that uses a different system, you’ll be prompted to visit their Marketplace site.
Select “Report a move to a new state” and update your address in the system. Make sure your ZIP code and personal details are correct to ensure seamless processing. You can also update your email and phone number if necessary.
After updating your application, the system will present health insurance plans available in your new state. Compare plans and prices, and select one that fits your health and financial needs. Remember, you need to pay the first premium to complete your enrollment.
Make sure to cancel your previous state’s Marketplace plan to avoid being charged for unused coverage. Timing is essential—coordinate the end date of your old plan and the start date of your new plan to avoid coverage gaps.
By following these steps, you can ensure continuous health coverage during your move. Using the Health Insurance Marketplace tools ensures your coverage is up-to-date, and you can take advantage of subsidies and tax credits available based on your new income and household status.
To ensure seamless health insurance coverage, plan your switch carefully. Your new plan will likely start on the first day of the month following your move. To avoid a gap, make sure to terminate your old plan on the last day of the month in which you move. Research the provider networks, compare costs, and check if your current insurance operates in the new state. If not, switch to a new provider.
When evaluating new health insurance plans, pay attention to:
Relocating can feel overwhelming, but securing health insurance doesn’t have to be. At Cover Kansas, our certified Health Insurance Navigators are here to make the process simple. Don’t struggle through complex health insurance options alone—let our experts guide you through every step, from understanding your Special Enrollment Period to selecting the best plan for your new state.
Our Navigators are trained professionals who offer personalized assistance, ensuring you make the right decisions for your health coverage. Best of all, their services are completely free. Take advantage of this valuable resource, avoid coverage gaps, and get the peace of mind that comes with knowing you’re protected.Contact Cover Kansas today and let us help you navigate your health insurance options as you settle into your new home!