Can you have health insurance in one state and live in another?
Asked by: Wiley Kuvalis | Last update: October 17, 2025Score: 4.2/5 (2 votes)
Can I live in one state and have health insurance in another 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 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.
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 have insurance in a state you don't live in?
No. A car insurance policy originates in the state where you reside. Buying two auto insurance policies for the same vehicle may result in the company canceling one of them. However, you can have two policies to insure two separate vehicles garaged in different states.
Can I Use My Health Insurance In A Different State? - InsuranceGuide360.com
Can I keep my health insurance if I move out of state?
Enroll in a new plan if you get your insurance through the Affordable Care Act (ACA) You need to sign up for a new plan if you move to another state. That means you'll fill out a new marketplace application and update the profile on your account.
Is it illegal to have out of state insurance?
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.
Does my insurance cover me in another state?
Your car insurance policy generally will cover you when you drive your car out of state. If you are on vacation, for example, or are passing through another state on a road trip, you won't need to get a separate car insurance policy.
Does moving affect your health insurance?
A new address may mean new health coverage and savings options. Report your address change to get the right plan and savings for your household.
Does it matter what state your health insurance is in?
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.
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.
Can you have Medicaid in one state and live in another?
Can Medicaid Benefits be Transferred from State-to-State? Formally, one cannot transfer Medicaid from state-to-state. However, with careful planning one can gain eligibility in their new state without a lapse in benefits. The US federal government establishes parameters for the Medicaid program.
Is your health insurance good in other states?
not every plan is available in every state, so check with your insurance company if its coverage extends to the place you're visiting. You may still be covered even if it doesn't contract with providers in that state, but your costs may be different.
How to have health insurance in two states?
Multi-State Plan options are offered, along with other approved plans, on the Health Insurance Marketplace. The Marketplace is a one-stop shop where you can compare prices on health plans, buy coverage, and obtain Federal subsidies if you qualify for them.
How do snowbirds get health insurance?
Some insurers offer Advantage plans specifically designed for snowbirds. Medicare Cost Plans work well for snowbirds, but aren't available in most states. Original Medicare will cover you anywhere in the nation, but make sure your doctors and hospitals are participating providers with Medicare.
Can you have a resident insurance license in two states?
Once the insurance agent has obtained or renewed their license in their state of residence, they can start the process for out-of-state insurance licenses. In order to abide by the most recent information about what is required, agents can consult the Department of Insurance website.
Can I get health insurance in a state I don't live in?
As the law exists now, you can only buy health insurance in the state where you maintain your permanent address. Your insurance company may not cover you if you move states and do not report this change in address.
Do I need to change my insurance if I move out of 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.
Does location affect health insurance?
How insurance companies set health premiums. Five factors can affect a plan's monthly premium: location, age, tobacco use, plan category, and whether the plan covers dependents. Notice: FYI Your health, medical history, or gender can't affect your premium.
Does my health insurance cover me out of state?
Insurers negotiate costs state-by-state with a network located only in the state where the insurance policy is sold. Most insurers do not have a nationwide network, meaning that if you visit healthcare providers in a different state, you are using out-of-network services and are responsible for full payment.
Does it matter what state your insurance is in?
What if I work in a different state than where I live? In most cases, you only need one policy that covers you in both states. The key to determining which state to buy your insurance from is where you keep your vehicle most of the time.
Can I have a doctor in another state?
Yes. In the US, it is 100% legal to seek medical care from a doctor that lives in another state.
Can I live in a different state than my insurance?
Car insurance providers often operate in multiple states throughout the U.S. Your current one may provide coverage in your new home state. Check with your insurance agent before you make the move. If your current insurance company doesn't, you'll need to purchase new coverage when your move is complete.
Can you have insurance in one state and registration in another?
Can you keep car insurance from another state? If you are moving to that state, then the answer is no. You are required to register and obtain insurance in the state where you are a resident. There are some exceptions to the rule, such as for students going to school out of state and for members of the military.
What states do you not have to have insurance?
Although leasing or financing offices may require one or the other. New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle.