Just moved? You may be able to change plans

Who qualifies

• You moved permanently to a new home in a new ZIP code or county, or to the U.S. from a foreign country or U.S. territory.
• For a move within the U.S., you need to show you had qualifying health coverage for at least 1 day in the 60 days before the move, for example a letter from an insurer, employer (including COBRA), Medicaid or CHIP.
• If you lived in a foreign country or U.S. territory for at least 1 of the 60 days before the move, that prior-coverage rule doesn't apply. Other exceptions may apply too.

What doesn't count

• Moving only for medical treatment
• Staying somewhere for a vacation

Moving to a new state?

Your new state may use HealthCare.gov or run its own Marketplace, and plans and prices are different everywhere. I'm licensed in 31 states, so I can often keep helping you after the move. Check your new state.

If the move also ends your current coverage, that loss can open a window of its own, starting up to 60 days before the coverage ends.

Special Enrollment Period basics

• Most life changes give you 60 days to pick a plan. Losing Medicaid or CHIP gives you 90 days on HealthCare.gov.
• You may need to upload documents that prove the change, generally within 30 days of picking a plan. Your coverage can't be used until that's confirmed and your first premium is paid.
• States that run their own Marketplace may have their own rules and dates. I'll check yours.
• Private plans have their own enrollment rules. They are not ACA plans: they're medically underwritten, approval isn't guaranteed, they may not cover pre-existing conditions, and they don't qualify for tax credits.