Can I stay on my parents' health insurance if I move out of state?
Asked by: Allie Wyman | Last update: May 24, 2025Score: 5/5 (34 votes)
Can I live in another state with my parents' insurance?
Nope. Your car needs to be registered and insured where you live. Besides that it's fraud, if you used your parents' address when you lived in another state, it would be easy for an adjuster to find out and the claim most likely would not be covered.
Can you stay on parents' health insurance if you move out?
Legally, child dependents can stay on their parents' health insurance until age 26, even if they are eligible through their own employer. Even if you get married, even if you move out, even if you make a million dollars a year. If you're under 26, you can be carried as a child dependent by your parent.
Can I keep my health insurance if I move out of state?
Marketplace plans are state specific, so if you move out of your current state, you'll need to terminate your old state's plan and get a new one in your new state of residence.
Will my insurance cover me if I move to another state?
When you move to a new state, you generally need to purchase a new car insurance policy. This is due to the fact that insurance laws differ from one state to the next, and a policy that is valid in one state may not provide the necessary coverage in another.
How Long Can I Stay On My Parents Health Insurance? - InsuranceGuide360.com
Does it matter what state I live in for health insurance?
You should buy coverage in the state where you officially reside. Most states consider you a resident if you intend to make that state your permanent home.
Will my health insurance cover me out of state?
Some plan types, like PPO or OAP plans, allow for full access to any and all participating providers in that carrier's network, regardless of which state you reside in. Other plan types, like HMO or POS plans, will cover emergency services anywhere in the country but may not cover routine care in another state.
Can you be on your parents' insurance if you don't live with them?
You can stay on a parent's plan until you turn 26
Have or adopt a child. Start or leave school. Live in or out of your parent's home.
Is moving to another state a qualifying event for health insurance?
If you need insurance or need to change your insurance outside of this time frame, you may be able to get health insurance, or make a change to your current plan, if you experience a qualifying life event, which gives you a special enrollment period (SEP). Moving to a new location is a qualifying life event.
Can a child have health insurance in two states?
Yes, you are eligible to be covered on your parent's plan up to age 26 regardless of where you live. However, your parent's health plan probably has a network of participating providers and it may be difficult for you to find in-network care when you are living in another state.
Can I stay on my parents health insurance if I have a job?
Can I stay on my parent's policy? If you are under age 26, yes. Eligibility for health benefits through your own job does not make you ineligible to be covered as a dependent on your parent's policy up to the age of 26.
Does moving affect your health insurance?
If you move to a different state
It's very important to report moves out of state immediately so you can enroll in a new plan without a break in coverage — and avoid paying for coverage that doesn't apply in your new state.
Do I lose my parents' insurance the day I turn 26?
Until your 26th birthday, you are eligible for coverage under an enrolled parent's health insurance plan, even if you are married, not in school, or not living with them. But once you turn 26, you age out and aren't eligible for their plan anymore.
Can I stay on parents insurance if I move out?
Depending on your insurer, you can remain listed as a driver on your parents' policy as long as their home is your permanent address or you're a full-time student. Once you've permanently moved out, you'll likely need to obtain your own car insurance policy.
Can I still use Kaiser if I move to another state?
What should I do if I've moved recently or will be moving soon? Kaiser Permanente offers coverage in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, and Washington D.C.; however, where you live will affect the type of health care coverage you receive and how much you pay each month.
Can I have two health insurance plans in different states?
Yes, you can have two health insurance plans and it is perfectly legal, but it is also important to fully understand how primary vs secondary insurance operates.
Will my insurance change if I move to another state?
Moving to another state? If you're moving between states, keep in mind that insurance coverage varies across states. For example, in California, due to the high risk of earthquakes, you may want to take special precautions to make sure your home is safe and secure in case an earthquake occurs.
What is an example of a life-changing event?
Family changes that count as qualifying life events include: Getting married. Bringing children into the family with the birth of a baby, adoption or foster care. Divorce.
Is Turning 26 a qualifying life event?
Turning 26 is a milestone birthday when it comes to health insurance because you're no longer eligible to stay on your parents' health plan. However, turning 26 is considered a qualifying life event—which makes you eligible (qualifies you) to buy health insurance during a special enrollment period.
Why can't you stay on parents insurance?
Most states allow children to stay on their parent's health insurance until the age of 26. However, this is only possible if the parent's insurance plan allows coverage for dependent children, which may not always be the case.
Do you have to live at the same address for health insurance?
All health insurance is sold based on your residential address. You can have only one residential address listed with Social Security at a time and must live there at least six months out of each year.
Can my daughter be on my health insurance if she doesn t live with me?
Living with parents: Your child doesn't have to be living with you at the time you enroll them in your health insurance plan, provided they've lived with you long enough to meet the residency requirement. Marital status: your child is still eligible for coverage if he or she is married or has children.
What happens to health insurance when you move out of state?
Key Takeaways
Moving to another state may warrant finding new health insurance as some plans may terminate upon the move or may not provide coverage in the new state. If coverage transfers, it is still prudent to verify the system of in-network providers.
Is moving out of state a qualifying event?
This is true even if your current plan is still available in the new area. Your move to a new state will be a qualifying life event triggering an SEP if you meet the prior coverage requirement, described below, since each state's exchange has unique plan offerings.
Can I stay on my parents' health insurance if I get married?
Being married does not affect your eligibility to be covered as a dependent under your parent's plan.