Quick answer
Usually not if you buy your own coverage. Individual and marketplace plans are sold for a specific state and area, so when you move to a new state you’ll need a new plan there. Moving is a qualifying life event, so you can pick a new plan outside open enrollment, generally within 60 days of your move. Job-based coverage often moves with you if you keep the same job, but check the network in your new area.
Key takeaways
- Marketplace plans don’t transfer between states. You apply again in your new state.
- A permanent move gives you a special enrollment period, if you had qualifying coverage before the move.
- Your new plan’s deductible usually starts over.
- Medicaid doesn’t transfer; you apply in your new state.
- Original Medicare works nationwide; Medicare Advantage plans may not.
On this page
How moving affects each kind of coverage
| Coverage | What happens when you move to another state |
|---|---|
| Marketplace or individual plan | Ends for your old area; pick a new plan in your new state |
| Job-based plan, same employer | Usually continues; check whether the network includes doctors near your new home |
| Medicaid or CHIP | Ends in your old state; apply in your new state |
| Original Medicare | Works anywhere in the U.S. |
| Medicare Advantage | You may need a new plan if you leave its service area; moving gives you a special enrollment period |
Getting a new plan after a move
- Check the special enrollment rules. A permanent move to a new area where different plans are sold qualifies you for a special enrollment period. You generally need to have had qualifying coverage for at least one day in the 60 days before the move.
- Apply in your new state. Use HealthCare.gov or your new state’s marketplace; states run their own marketplaces with different rules. See health insurance regulations by state.
- Pick a plan within 60 days of your move. Coverage usually starts the first of the month after you pick a plan.
- End your old plan so it stops the day before the new one starts.
If you miss your window, you’ll have to wait for open enrollment. See qualifying events for more.
Coverage before and during a move
Your current plan still covers emergencies anywhere in the U.S. at in-network cost-sharing; see will health insurance cover emergency room visits. Routine care in your new state may not be covered, or may be treated as out-of-network care, until your new plan starts. PPO plans with national networks may cover more. See can I use my health insurance out of state.
If you have job-based coverage
If you keep your job, tell HR about your new address. Large employers often use national networks, but an HMO might not have doctors in your new area, so ask whether you can switch plans. A move can let you change your job-based plan outside the usual enrollment period if your current plan doesn’t serve your new area. If you’re changing jobs, compare your new employer’s plan with other options; see is it cheaper to get health insurance through your employer and can you drop your employer-sponsored health plan.
Choosing a new plan is a good time to review the types of coverage available in your new state.
Moving? See plans in your new ZIP code.
Frequently asked questions
Can I keep my marketplace plan if I move to another state?
No. Marketplace plans are tied to a state and area. Report your move and pick a new plan within 60 days.
Can I sign up for a plan before I move?
Some marketplaces let you apply shortly before a move. At the latest, pick a plan within 60 days after you move.
Does my deductible carry over when I move?
Usually not. A new plan starts a new deductible and out-of-pocket maximum.
Sources
This article is general information, not insurance advice. Rules vary by state and plan. Last reviewed September 2026.