General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region Forumsmy question about the ACA....
Hi all-- I posted this question yesterday, but after 24 hrs no one has responded. I'm reposting to put it on the Latest page again where perhaps someone can answer. I offer no excuse for asking instead of researching simply because it's not a question of great consequence to me, just something I wondered about after reading the news stories referenced below. If anyone knows the answer, it will satisfy my curiosity!
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.
progressoid
(49,991 posts)I would like to know also....
Ms. Toad
(34,074 posts)Sometimes even region-within-a-state specific. So your insurance isn't likely to just follow you.
If your plan is offered where you end up - it follows you and you cannot change it until the regular open enrollment period.
If your plan is not offered where you end up - you will have a special enrollment period (like when you change a job,add a family member, etc.) to select a new plan offered in your new locale (under whatever rules are applicable to the new locale).
mike_c
(36,281 posts)I just wasn't sure about the details. Many thanks!
Zorra
(27,670 posts)Qualifying Life Event
A change in your life that can make you eligible for a Special Enrollment Period to enroll in health coverage. Examples of qualifying life events are moving to a new state, certain changes in your income, and changes in your family size (for example, if you marry, divorce, or have a baby).
https://www.healthcare.gov/glossary/qualifying-life-event/
http://www.valuepenguin.com/ppaca/exchanges
mike_c
(36,281 posts)eom