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Can I change health insurance coverage after I move, under Obamcare?

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Published on May 13, 2014

People often call us here at eHealth when they're moving to a new city or state. We're licensed in all 50 states and know how to help you change your old health plan for one that serves your new area.

The next annual Open Enrollment Period -- when anyone can add or change their health coverage - is currently scheduled to begin on November 15 of this year.

Outside the annual Open Enrollment Period, the Affordable Care Act (Obamacare) considers a move to a new coverage area -- that is an area that your current health insurance policy does not serve -- to be a qualifying event that triggers a Special Enrollment Period.

The Special Enrollment Period gives you 60 days from the date of your move to change to a new health plan.

When you apply for your new coverage, it's a good idea to have some proof of your address change, like a copy of a residential utility bill, rent receipt, or mortgage statement with your name on it -- just in case your new insurance company requires it for verification.

As long as you apply for new coverage within 60-days, your application for health coverage cannot be declined.

Be aware that all new major medical heath plans provide certain popular benefits with no out of pocket costs like:
- Dietary counseling and screenings for weight management
- Tobacco and alcohol screenings, counseling and help quitting
- And recommended mental health and illness prevention tests and screenings -- to name a few

If you miss your 60-day special election period, you may not be able to enroll in a major medical health plan until the next Open Enrollment Period.

And, it's likely your coverage could not begin before January 1 of next year.

If you miss the 60-day deadline, we encourage you to look at short-term health coverage as an alternative, to gain some measure of protection until you're eligible to apply for major medical coverage again during the Open Enrollment Period. Short-term coverage does not meet the requirements of Obamacare, so you may still be subject to a tax penalty.
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Twitter: https://twitter.com/eHealth
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Get quotes and compare plans now at: https://www.ehealth.com

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