Can I use my parents health insurance if I live in another state?
Asked by: Janelle Gislason | Last update: April 28, 2025Score: 4.7/5 (2 votes)
Can I use my parents' insurance if I live out of state?
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 I use my parents' insurance if I move out?
Moving out of your parents house has nothing to do with you being on their health insurance. If you are covered on their policy, you will be covered no matter where you live - unless you are moving out of the state. You will not be taken off the policy, unless your parents tell the insurance company to take you off.
Can I use my health insurance in a different state?
If you live in two different states or frequently travel within the country, you may want to sign up for a preferred provider organization (PPO) plan. A PPO plan gives you more nationwide options for providers and health care services. That means you're able to use your health insurance no matter where you are.
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.
The ABCs of Term Insurance: Demystifying Policy Types, Features and More! | Ankur Warikoo Hindi
What happens to health insurance when you move out of 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. When you move out of state, you'll need to start a new Marketplace application and enroll in a plan in your new state.
Can I get insurance in a state I don't live in?
Registering a vehicle in one state while holding an insurance policy in another is not permitted for most drivers. This restriction is due to variations in traffic laws and minimum insurance coverage requirements. Attempting to insure a vehicle in a state where you don't live might be insurance fraud.
Can my child be on my health insurance if they don't live with me?
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.
What insurance is accepted in all 50 states?
Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.
How long can I stay on my parents insurance blue cross blue shield?
The Affordable Care Act requires plans and issuers that offer coverage to children on their parents' plan to make the coverage available until the adult child reaches the age of 26.
Can you put your parents on your insurance if they live with you?
Beginning in 2023, a new state law allows adult children to add their dependent parent or stepparent to their health plan policy, as long as the dependent parent or stepparent is not eligible for or enrolled in Medicare and they live in the health plan's service area.
How long can I use my parents' address as my permanent address?
Your parents' home where you can return to at any time still remains your permanent home address. This is even if you've lived away from this address for the past four or five years.
What happens to my Medicaid if I move to another state?
Given that a CA Medicaid (Medi-Cal) applicant can have unlimited assets, one may have a much higher amount of assets than allowed in another state. When an applicant has “excess” assets, they must “spend down” the additional assets in a Medicaid-acceptable manner in order to re-qualify in the new state.
Can I stay on my 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 use my health insurance for someone else?
According to healthcare.gov, if you can count someone as a dependent on your taxes, they're also a dependent on your health insurance plan. What's more, you are required to provide health insurance for anyone whom you claim as a tax dependent.
Do I lose my parents' insurance the day I turn 26 in United Healthcare?
Plans that provide coverage for dependents are required to extend the coverage of dependents to age 26, regardless of their eligibility for other insurance coverage. Plans must provide coverage to all eligible dependents, including those who: Are not enrolled in school.
Can I use my health insurance in every 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.
Will my insurance cover me in other states?
No matter where you live, your standard car insurance policy will typically cover you in all 50 states and Canada.
Is it illegal to have Medicaid in two states?
One thing you should know about Medicaid is that you can't be covered by it in two different states at the same time. Therefore, to transfer your coverage – so to speak – you'll need to first terminate your original Medicaid coverage and then apply in your new state once you've relocated.
Can you stay on your parents health insurance if you live in another state?
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 insure my son if he doesn't live with me?
Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy unless they're a full-time student. Car insurance providers require that the insured live at their residence and park their car at their address to be listed on a policy.
Can I keep my insurance if I move out of state?
When you move out of state, you'll need a new car insurance policy, even if you can stay with the same insurer. Your insurance company will cancel your old policy because every state has different coverage requirements and regulations.
What states is it illegal to not have insurance?
New Jersey, California, Rhode Island, Massachusetts, and the District of Columbia require their residents to have health insurance coverage or face penalties. Vermont recommends that residents have coverage, but there's no noncompliance penalty.
Can I use my health insurance anywhere in the US?
The Long Answer: Your out-of-state coverage is going to really only cover emergencies, and not much else--there's also loopholes to what's considered an Emergency. In most cases, insurance companies are required to pay for reasonable emergency medical expenses regardless of the hospital you go to.