ACA Health Insurance and Moving: Understanding Your Options
Moving can be a stressful experience, especially when it comes to maintaining your health insurance coverage. The Affordable Care Act (ACA) provides individuals with several options for obtaining health insurance, including during periods outside of the traditional open enrollment period.
Special Enrollment Periods: A Lifeline During Transitions
One of the key features of the ACA is the availability of Special Enrollment Periods (SEPs). SEPs allow individuals to enroll in health insurance outside of the open enrollment period if they experience certain qualifying life events, such as:
Moving to a new state or county
Losing employer-sponsored coverage
Getting married or divorced
Having a baby or adopting a child
Moving and Health Insurance Coverage
When you move, you have 60 days from the date you establish residency in your new state to enroll in a health insurance plan through the ACA Marketplace. This SEP allows you to avoid any gaps in coverage and ensures that you have access to essential health care services.
Applying During a Special Enrollment Period
To apply for health insurance during a Special Enrollment Period, you can:
Visit the Health Insurance Marketplace at HealthCare.Gov
Call the Marketplace at 1-800-318-2596
Seek assistance from a licensed insurance agent
Important Note: Do not attempt to navigate the HealthCare.Gov website or make changes to your health insurance coverage on your own. Seek assistance from a licensed insurance agent to ensure that you understand your options and make the right decisions for your needs.
The ACA provides flexibility and protection for individuals who experience life changes, such as moving. By understanding the Special Enrollment Periods and the options available to you, you can maintain continuous health insurance coverage and avoid any gaps in care during this transition.
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