How to Get Health Insurance After Moving

You know what they say: moving is stressful, but forgetting your health insurance after moving? That's a whole different kind of chaos.

We know moving is tough — boxes everywhere, your favorite coffee mug somehow goes missing, and you’re still trying to find your old gym shoes.

But then you realize you might have just messed up big time by not thinking about your health insurance.

You’ve probably Googled “how to get health insurance after moving" and feel like you've just opened Pandora's box of paperwork and forms.

In fact, around 9 million Americans move to a new home every year, and a big chunk of those either forget about health insurance or are completely baffled by how to make sure they’re still covered.

So, if you've just moved (or are about to) and want to avoid going uninsured, keep reading. We'll explain everything you need to know.

Did you know that moving to a new state could actually trigger a Special Enrollment Period (SEP)?

You get a golden ticket to sign up for new health insurance without having to wait for the usual sign-up periods.

But depending on whether you're moving across the street or across the country the health insurance options after relocation can be a bit of a puzzle.

You might even need to transfer health insurance to match your new location.

Sounds confusing? Well, it doesn’t have to be!

First - Notify Your Current Health Insurance Provider

The first step is probably the least fun (but important). If you already have health insurance, the first thing you need to do is tell your current insurance provider that you're moving.

We know paperwork and all that jazz isn’t the most thrilling task, but it has to be done.

Why? Well, some health insurance plans are super specific to your state (and even your county), so your current plan might not be valid in your new location.

By giving your insurance company a heads-up, they’ll tell you whether your plan can “travel” with you or if you’ll need a new one.

Health Insurance for New Residents: What Are Your Options?

Now that you’ve notified your current provider, it’s time to get into what health insurance options are available to you as a “new resident.”

Moving to a new place can open several health insurance doors. Let's discuss the top options, so you're not left in the dark.

Employer-Sponsored Insurance

If you’re lucky enough to have a job lined up in your new location (or if your company offers health insurance for recent movers), you might be able to enroll in their group health insurance plan.

Now, most employers will offer health coverage, but make sure you ask about the waiting period. You don’t want to be left without coverage for weeks or months.

Health Insurance Marketplace (Special Enrollment Period!)

The Health Insurance Marketplace is your best friend if you’re moving to a new state. This is especially true if you qualify for a Special Enrollment Period (SEP).

Basically, SEP allows you to enroll in a new health plan without waiting for the regular enrollment period.

So, if you’re moving to a new state and your old plan just won’t work, go to HealthCare.gov and check out the options available in your new location.

You’ll find plenty of affordable plans, whether it’s just you or your entire family.

Medicaid and CHIP

If you’ve got a tight budget, Medicaid or CHIP might be the way to go.

If your income is low, you could qualify for these state-funded programs, which offer health insurance after moving to a new state.

The rules vary by state, so don't hesitate to call your new state's Medicaid office and get the 411 on eligibility.

Moving soon and feeling overwhelmed?Get expert tips and find trusted movers near you to make your transition smoother!

What if You Have a Gap in Coverage? 

Let's say there’s a little bit of a gap between when your old insurance and your new insurance. This happens a lot, and honestly, it’s one of the most annoying parts of moving.

But don’t worry, there’s a solution: short-term health insurance.

These plans can cover you for a few months while you’re between jobs, between moves, or between health insurance plans.

They’re not as comprehensive as regular plans, but they can help cover emergencies, doctor visits, and the essentials while you figure things out.

Just remember, it’s a band-aid, not a cure.

How to Change Insurance When Moving to a New State

Now that you’ve settled in and you know your options, it’s time to get technical.

How to transfer health insurance when moving?

It's simple. You need to contact your old insurance provider, explain the situation, and ask them what your next steps are. They'll help you transition to a new plan.

If you're switching to the marketplace, it's time to go online and fill out your new application.

Be prepared with your address and household info because the marketplace will use that to determine which health insurance plans are available in your area.

Health insurance and moving don’t have to be stressful. Check out our resources to make both easier!

Do Your Research—Don’t Just Pick the First Plan You See

Before you commit to any plan, make sure it suits your needs.

This might seem obvious, but it’s easy to just click the first option, especially when you're feeling overwhelmed.

You want to make sure that your doctors, medications, and medical needs are covered under your new plan.

If you’re moving to a new state and need a completely new plan, make sure you check the health insurance options after relocation to your new area.

For example, what if your new state has an insurance marketplace that offers something your old state didn’t?

Or if your new job has a killer health insurance option?

You’ll want to explore these things to avoid being stuck with a less-than-ideal option.

Important Things to Keep in Mind

•  Health insurance after moving states can be a bit tricky. You’ll likely need to sign up for a new plan, but that's not a big deal if you follow the steps outlined here.
•  If you're moving from one state to another, don't forget to check your coverage network. Your old doctors might not be covered anymore, so make sure the new plan includes your new preferred healthcare providers.
•  The earlier you start the process, the better. If you let your insurance lapse for too long, you might end up paying more in the long run.

Wrapping It Up

We’ve covered a lot, but that’s because health insurance is super important for new residents, especially after moving.

By following these steps, you’ll know exactly how to handle the world of health insurance after a move without getting lost. And if you ever get stuck, don’t hesitate to reach out to a professional who can help.

In the end, getting the right health insurance is all about making sure you’re covered, you’re comfortable, and you can get the care you need without any surprises.

Don’t leave anything to chance—find the best movers who will make your move a breeze!

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