Moving and Health Insurance: What You Need to Know

February 22, 2023

Moving and Health Insurance: What You Need to Know

At some point in your life, you may need to relocate to a new state due to various reasons such as a job transfer, family, or personal preferences. When you’re moving, there are several things to consider, including packing, transportation, and insurance. However, one crucial aspect that people often overlook is health insurance. In this article, we will discuss everything you need to know about health insurance when moving to a new state.

Understanding Health Insurance

Health insurance is a type of insurance that covers the cost of medical and surgical expenses incurred by the insured. Health insurance policies can vary significantly, but they generally cover services such as doctor visits, hospitalization, and prescription drugs. Health insurance can be provided by employers, purchased privately, or offered through government programs like Medicare or Medicaid.

What Happens to Your Health Insurance When You Move?

If you have health insurance through your employer, you need to check with your HR department to determine if your insurance will cover you in your new state. Some employers have regional health plans, while others offer nationwide coverage. If your employer does not offer nationwide coverage, you may need to enroll in a new health plan in your new state.

If you have private health insurance, you need to contact your insurance provider to find out if they operate in your new state. If not, you may need to switch to a new insurance provider. It’s essential to ensure that you have continuous health insurance coverage, especially if you have a pre-existing medical condition.

If you have government-sponsored health insurance, such as Medicare or Medicaid, you need to notify your state agency of your move. Depending on the state you’re moving to, your benefits may change. Some states have different eligibility requirements for Medicaid, so it’s crucial to research your new state’s regulations.

Tips for Choosing a New Health Insurance Plan

When you’re moving to a new state, you have several options for choosing a new health insurance plan. Here are some tips to help you select the best plan for your needs:

Research Your Options

Before you move, research the health insurance options available in your new state. This can include private insurance providers, government-sponsored programs, and employer-sponsored plans.

Check the Network

Make sure that your preferred healthcare providers, such as doctors and hospitals, are in the health insurance plan’s network. Out-of-network healthcare providers can be more expensive, and some plans may not cover out-of-network care at all.

Consider Your Health Needs

Consider your health needs when selecting a health insurance plan. For example, if you have a chronic medical condition, you may want a plan with lower out-of-pocket costs. If you’re relatively healthy, you may prefer a plan with a lower monthly premium.

Compare Costs

Compare the costs of different health insurance plans, including premiums, deductibles, co-payments, and co-insurance. A plan with a lower monthly premium may have higher out-of-pocket costs, while a plan with a higher premium may have lower out-of-pocket costs.

Also Read: Two Men And A Truck Moving Rates, and Cost

Moving Checklist for Health Insurance

Moving can be stressful, but with a checklist, you can ensure that you have everything you need regarding health insurance. Here is a checklist of things to do regarding health insurance when you’re moving:

What to Do if You Experience a Gap in Coverage

If you experience a gap in health insurance coverage during your move, you may be at risk of high medical expenses. To avoid this, you can consider purchasing short-term health insurance coverage. Short-term plans are designed to bridge the gap between insurance coverage and can provide temporary coverage for up to six months.

However, it’s important to note that short-term plans typically offer limited coverage and may not cover pre-existing conditions. Additionally, they may not meet the minimum essential coverage requirements of the Affordable Care Act (ACA). Before purchasing a short-term plan, make sure you understand the limitations and risks.

How Moving Can Affect Your Health Insurance Premiums

Moving to a new state can also affect your health insurance premiums. Health insurance premiums are based on several factors, including your age, health status, location, and the plan you choose. When you move to a new state, you may experience changes in these factors, which can affect your premiums.

For example, if you move to a state with higher healthcare costs, you may experience an increase in premiums. Additionally, if you have a pre-existing medical condition, your premiums may also increase if you move to a state with less favorable regulations regarding pre-existing conditions.


When you’re moving to a new state, it’s essential to consider how your health insurance will be affected. To ensure that you have continuous health insurance coverage, you need to research your options, check networks, consider your health needs, and compare costs. If you experience a gap in coverage, consider purchasing short-term coverage. Finally, remember that moving can affect your health insurance premiums, so it’s crucial to understand how your move may impact your premiums.

In conclusion, moving can be a challenging process, and health insurance is just one of the many aspects to consider. By understanding how moving can affect your health insurance and taking the necessary steps to ensure continuous coverage, you can have peace of mind knowing that you’re protected in case of a medical emergency.