ACA: Navigating Coverage During a Move
Moving to a new state can bring about unexpected challenges, including potential gaps in health insurance coverage. However, the Affordable Care Act (ACA) offers a solution: special enrollment periods (SEPs) that allow you to apply for a new policy outside of the usual open enrollment window.
Moving and the Special Enrollment Period
If you move to a new state and lose your current health insurance, you have a 60-day special enrollment period to sign up for a new plan through the Health Insurance Marketplace. This period begins the day after you move.
To qualify for a special enrollment period due to a move, you must:
Have had qualifying health coverage within the past 60 days
Not have had a gap in coverage of more than 63 days
Move to a new state or county
Applying for Coverage During a Special Enrollment Period
To apply for a new health insurance plan during a special enrollment period, you can:
Visit HealthCare.gov and create an account
Call 1-800-318-2596 to speak with a representative
Contact a licensed health insurance agent
When applying, you will need to provide information about your income, household size, and any recent changes in your health or coverage.
Importance of Continuous Coverage
Maintaining continuous health insurance coverage is crucial for several reasons:
Avoid Penalties: You may be subject to a penalty if you go without health insurance for more than three months.
Pre-existing Conditions: If you have a pre-existing condition, you may be able to avoid higher premiums if you maintain continuous coverage.
Peace of Mind: Accidents and illnesses can happen anytime, and having health insurance provides peace of mind knowing that you are protected.
Conclusion
If you are planning to move, it is important to be aware of the special enrollment period available through the ACA. By applying for coverage within 60 days of your move, you can avoid a gap in coverage and ensure you have access to quality health care in your new state.
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