What happens if I purchase a health insurance plan through the exchange and then move to a different state?

You will need to purchase a new plan once you have moved in. The good news is that moving to a new state is a qualifying event that triggers a special enrollment period (SEP), which allows you to change your plan or purchase a new one regardless of the time of year. However, this will only be the case if you had ACA-compliant coverage prior to your move. Additional regulations implemented in 2017 also require that your new plan be of the same metal level as your previous one (assuming that your previous plan was not offered through an employer, as such plans do not have metal levels assigned to them). These regulations were set in place with the aim of preventing people from taking advantage of SEPs by moving to a new state and getting better coverage after learning that they would need surgery or another major medical treatment or procedure.

The special enrollment period triggered by your move will remain open for 60 days following the date of the move itself. While there will undoubtedly be plenty else on your mind at that time, note that the date you sign up for your new plan will impact when your coverage will start. If you complete your enrollment before the 15th of the month, your coverage will go into effect on the first of the following month. If you enroll in the second half of the month, your coverage will go into effect on the first of the month after that.

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