casual question about the ACA for those in the know....
I say "casual question" because I have a good union job with employer provided health coverage, so I've had no need to look into the ACA deeply.
But I read a report this morning that while the web sites were up and running for enrollment, there were still significant problems with CHANGING one's registration status, e.g. adding children born after the initial enrollment, or dropping coverage after a divorce and the like. The question that occurred to me is what about people who enroll in state exchanges (like Covered California), then subsequently move to another state? Does the health plan simply go with you to another state? That seems unlikely. Do you have a period of coverage lapse before you can become eligible and enroll via another state's exchange, or via the federal site if you move to a state without its own exchange? Are there particular complications depending on the direction you move, i.e. from a participating state to another participating state, from a participating state to a non-participating state, or from a non-participating state to a participating state?
I'm assuming the actual insurance policies are not generic and nationwide-- please advise if that's not the case. That of course would be the answer to my first question, if so.