HomeStateHow To Switch Health Insurance When Moving Out Of State

How To Switch Health Insurance When Moving Out Of State

How To Transfer An Insurance License From State To State

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If you work either selling insurance products or adjusting claims, the vast majority of states require you to be licensed by the state insurance department. Usually this entails taking a course and passing an exam. But if you are licensed in one state and then need to move to or work in another state, there are often quicker ways to become licensed in your new home area.

If you are moving to a state with reciprocity, apply to the insurance department for a transfer of license in your new state. Usually you will have to have been licensed for a minimum amount of time in your state of origin, and sometimes provide a letter of clearance from that state. Other states require you to have held a non-residents license in their state previous to your move. Usually you will have to complete an application, but you will not have to complete course work or an exam.

If there are no reciprocal arrangements, you will have to apply for a license and then complete the course for that state. Then you will have to pass the exam in the way you did for your original license.


If you are applying for a license in a state that does have reciprocity, make sure you do it in a timely manner. Most states require that you apply within 90 days of having canceled your license in your state of origin. If you dont do this, you will have to complete the full application process and the examination, just as if it were your first license.

I Just Moved From State A To State B I Dont Have A Permanent

In states, you will be required to document your move. You will have to submit documents showing your former address

If you find that your parents plan doesnt cover health providers in the state where you live, you can also explore the option of signing up for coverage on your 1 answer · Top answer: Yes, you are eligible to be covered as a dependent up to age 26 regardless of where you actually live. However, your parents health plan probably

If I Have Coverage Through My Employer Is There Anything I Need To Do To Ensure Im Covered In My New State

When you move due to your job, whether youll have to change health plans depends on the type of coverage your employer provides. If you have an HMO plan, you will most likely need to select a new plan through your employer.

If you dont have an HMO, chances are the only thing youll have to do is change your address with your human resources department. But schedule a meeting with your HR rep anyway, and let them know you want to talk about health insurance as it relates to your relocation. There may be aspects to your plan that will change, such as your choice of healthcare providers in your new location.

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Make Sure Your Policy Is Canceled

For the first few months after your policy cancellation, double-check your bank and credit card statements to make sure that you arent still paying for your old plan. If your old insurance company still attempts to charge you, send your former representative the documentation stating when you canceled your policy and request that the charge is reversed.

What Happens To Coverage When Moving Out Of State

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When moving to a new state, you will be unable to maintain your current coverage and plan. You will be required to enroll in a new plan. Some health insurance companies do not reside in every state. Therefore if you are moving to a state that your current carrier does not service, you will need to purchase insurance coverage from an entirely new carrier.

Overall the insurance repercussions will depend on the carrier and available networks. While a new plan is going to be necessary, many major carriers have national networks and can support employees in almost any state or region in the U.S.

If the employee has coverage from state-specific insurance providers that are their own entity, they may need to work with their insurance provider to make sure they can find in-network care in their new state. For example, if an employee has employer-sponsored health insurance through Blue Cross Blue Shield of Tennessee, they can still receive care in another state as long as the doctor or hospital they visit is in-network with that insurance provider. For most people, its not an issue.

Keep in mind that moving out of state is considered a qualifying life event. There is no need to worry about having to wait until the enrollment period opens again, as this move will trigger a special enrollment period.

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Enroll In A New Healthcare Plan According To Your Resources And Financial Possibilities

Getting organized to move means, on top of everything else, having in mind the cost of interstate relocation, but also all of the other essential expenses after the move. Different agencies offer different prices and services, so ensure to pick a policy that corresponds to your preferences, needs, and financial situation.

If youre wondering: How can I change health insurance when I move?, know that Obamacare has a federal Health Insurance Marketplace , a government website where you can browse through different coverages to find one that suits you the most. Getting a Marketplace account will help you search HI programs based on your location and purchase the one that you prefer. However, some states have their own Marketplace that can be of use for you, so make sure to explore that. Note that, for your enrollment, youll need to provide proof of your relocation as well as proof of your intention to stay at the new location.

If you want to quit your job but have been insured through the employer, you should keep in mind the Consolidated Omnibus Budget Reconciliation Act, which provides you with extended coverage up to 36 months after you leave the old company . However, you need to know that this is a costlier solution, considering that youll be paying the whole amount. On the other hand, if you lost your job during the coronavirus, check to see if you are eligible for the plan provided by the government.

How Do I Get New Health Insurance Coverage When I Move To A Different State

If you work for a large employer that has business locations throughout the country, you may find that your coverage remains unchanged with your move. But if you buy your health insurance in the individual market, youll have to purchase a new plan.

Individual market coverage is guaranteed-issue thanks to Obamacare, but its only available for purchase during open enrollment, and during special enrollment periods triggered by qualifying events. Moving to an area where different health plans are available is a qualifying event, as long as you already had coverage in your prior location.

So you cannot move to a new state in order to take advantage of a special enrollment period if you were uninsured prior to the move. But as long as you had coverage before the move, youll have a 60-day enrollment window during which you can pick a new plan in the exchange or off-exchange in your new state.

That means you may end up having a gap in coverage, depending on the date you move and how far into your 60-day enrollment period you are when you select a new plan in your new state. Youll want to find out how your current health insurance plan works in your new state you may only have coverage for emergencies once you leave the state in which your policy was issued.

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How Much Does All This Cost

An individuals COBRA plan costs around $500 per person. When you keep employer-sponsored health insurance on COBRA, you pay the full premium amount. Depending on the employers plan, the cost may be better than what you find on federal or private health insurance marketplaces.

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How Will My Health Insurance Provider Network Change When I Move To A New State

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Particularly in the individual market, health insurers have been moving towards HMOs and narrower networks. So its becoming rare for plans to offer network coverage in multiple states. Be prepared for the fact that you will almost certainly have a new provider network with your new plan.

Its also important to note that even if your health insurer is a big-name carrier that offers plans throughout the country, it will have different individual market plans in each state. So although you might have a Cigna plan already, and Cigna might also be available in the individual market in the state where youre moving, youll need to re-enroll in the new plan once you move.

And although Blue Cross Blue Shield is a household name in the health insurance market, their coverage varies from state to state. The Blue Cross Blue Shield name is licensed by 36 different health insurance carriers across the country a Blue Cross Blue Shield plan in one state is not the same as a Blue Cross Blue Shield plan in another state.

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How To Report A Move To A New State

  • When you move to a new state, your coverage options will change. You may no longer be eligible for your current plan.
  • New plans, prices, and savings may be available to you.
  • To get coverage in your new state, youâll need to start a new Marketplace application or apply through your new stateâs website .
  • Get screen-by-screen uploading directions, with pictures , or follow these steps.

Apply For A New License And Change Your Plates

Along with updating your insurance and registration status, you have to get a new driver’s license when you move to a new state, too. Just as with your registration, you risk fees and other penalties if you wait too long to update your driver’s license after moving.

You can apply for a new license at the same time as your vehicle registration. When you register your car in your new state, you can pay another fee, fill out the application for a license, and have your picture taken for your ID card.

When you finish the registration process, you’ll receive temporary license plates while your new plates are manufactured. Attach your new license plates to your vehicle, and follow your state’s guidelines for returning your old plates. Sometimes you’ll be able to keep your plates if you pay a fee, but usually you’ll just need to mail them back to your old state’s DMV.

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What Is The Affordable Care Act

The Affordable Care Act provides individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that may not otherwise be available. Under the ACA:

  • You may be able to purchase health care coverage through a state or federal marketplace that offers a choice of plans.

  • Insurers cant refuse coverage based on gender or a pre-existing condition.

  • There are no lifetime or annual limits on coverage.

  • Young adults can stay on their familys insurance plan until age 26.

  • Seniors who hit the Medicare Prescription Drug Plan coverage gap or donut hole can get a discount on medications.

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Just Moved Heres What You Need To Know About Health Insurance

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Whether youâre moving to or within California, find out how your coverage is affected.

Between packing up belongings, filling out paperwork and finding a new home, moving is a huge challenge. In all the chaos, you may not have considered how relocating could affect your health insurance. It might not be practical now for you to see the same health care providers, and your current health plan may not extend to your new area. No matter what, you will want to find a plan that meets all of your medical needs in your new locale.

Getting Covered in Your New Home

When youâre moving, your address might not be the only thing changing. You may also be able to change your existing health plan or sign up for new health coverage.

Normally, the only time you can enroll in a health plan is during the open enrollment period. However, your move may be considered a qualifying life event, giving you access to special enrollment. If you qualify, you have 60 days from the date of your move to apply for coverage.

For your move to qualify, it must meet one of the following criteria: Either you moved to California from another state or country, or you moved within California, and at least one health plan is available in your new area that wasnât available at your previous residence.

How to Apply for Coverage

Step 1: Weigh all your options.

Step 2: Gather necessary paperwork.

Before you apply for a new health plan, make sure you have these items handy:

Step 3: Apply for health coverage.

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What To Look For In A New Health Insurance Plan

Before you start searching for a new plan, you want to consider what exactly youre looking for. Think about what your current plan lacks some areas you might want to look at include:

  • Deductibles and copay percentages
  • Pregnancy coverage and maternity care options
  • Drug coverage options

Create a wish list of everything you need in a plan and use your needs to guide you when you compare plans and speak with representatives from health insurance companies.

Youll Likely Need A New Plan But Aca Provisions Apply Nationwide

If you work for a large employer that has business locations throughout the country, you may find that your coverage remains unchanged with your move. But if you buy your health insurance in the individual market, youll have to purchase a new plan.

  • Health insurance & health reform authority

Since individual market coverage is regulated and marketed at the state level, a new plan is needed when you move from one state to another. But prior to 2014, health insurance was often an obstacle for people who wanted to move to a new state.

In all but five states, individual market coverage was medically underwritten, so people with pre-existing conditions often found it difficult, expensive, or impossible to enroll in new coverage if they were going to need to purchase their own plan .

Many states had state-run high-risk pools, and federal pre-existing condition insurance pools were implemented in the years leading up to 2014. But high-risk pools could impose waiting periods for new arrivals to the state, and coverage through the risk pools was often prohibitively expensive and generally had benefit caps that werent always adequate.

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Cancel Your Current Coverage

If your current health insurance isnt through the ACA, youll need to cancel your coverage independently. As a general rule, you can cancel any kind of medical insurance or dental insurance at any time for any reason.

However, you dont want to cancel your plan before youre covered with a new plan because this will leave you with a gap in coverage. Call your insurance provider after youve enrolled in a new plan and request a cancellation. Request written documentation from your policy provider that confirms that your plan is canceled and when your coverage ends. Keep this documentation for your records.

Switching To A Spouses Policy During Open Enrollment

How to Transfer Your Insurance License to Your New Home State

If you want to switch to a spouses health insurance policy during the annual open enrollment period, changing your coverage is easy. You simply need to cancel your current coverage and enroll in your spouses policy. If youre making the change to cut back on group health insurance costs, timing the change during open enrollment means you start saving right away.

Most organizations run their coverage with the calendar year. Open enrollment generally begins in November for coverage beginning January 1. Be sure to check that you and your spouses plans follow the same plan year with the same start date for changes made during open enrollment to avoid a gap in coverage.

If youre switching from group health insurance to a qualified small employer health reimbursement arrangement or an individual coverage HRA , your spouse must be enrolled in an individual or family policy before they can participate in the HRA on a tax-free basis.

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How To Transfer Original Medicare To Another State

Those with Original Medicare planning a move to a new state go through a simple process to update residency. There is no need to update your plans or enroll in new coverage. Medicare is a federal program with no provider networks. So, coverage is the same in all 50 states.

The only step that you will need to take is updating your address through Social Security. If applicable, you may also contact the Railroad Retirement Board to update your address.

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Keep in mind, it is important to find a new primary care doctor in your area who will be taking over your care. You will want to do this as soon as possible to avoid a delay in care when necessary. It is important to ensure your new primary care doctor accepts Medicare so you will be able to use your benefits when receiving care. To ensure your physician accepts Medicare, you can call the office and speak with them yourself or use the Medicare physician finder online tool.

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