Moving to a new state affects every type of insurance you have. Health plans are state-specific, doctor networks change, and even car insurance rates shift dramatically. Here's your move-related insurance checklist.
Health Insurance
Moving to a new state triggers a 60-day Special Enrollment Period on the ACA marketplace. You'll need to shop for a new plan because marketplace plans are state and county-specific.
Medicare
If you're on Medicare, your Medicare Supplement plan should work nationwide (one of its biggest advantages). However, if you're on Medicare Advantage, your plan may not be available in your new county - you'll qualify for a Special Enrollment Period to switch.
Life Insurance
Good news: life insurance is not affected by where you live. Your policy remains in force regardless of where you move.
Other Insurance
- Auto insurance: You'll need to update to a policy in your new state within 30 to 90 days (varies by state)
- Homeowner's/renter's: You'll need a new policy for your new address
- Supplemental insurance: Most supplemental policies are portable and continue regardless of location
Pro Tip
Start shopping for insurance in your new state BEFORE you move, so you have coverage lined up from day one.