My husband and I are college students and are planning on moving twice next calendar year. We will be moving to another state to live with my parents during the summer, and then moving to graduate school in another state in the fall. There is also a good chance I will be pregnant during this time, so we are very concerned about gaps in our health insurance coverage. Will the Marketplace allow me to switch my plan twice in one year? And without any gaps in my coverage?
You can switch health plans via ObamaCare's special enrollment every time you have a qualifying life event, even if it's the same event more than once. Aside from that you can only switch plans during open enrollment.
Typically you'll be able to enroll up to 30 days before the event with coverage starting on or around the date of the event. Make sure to coordinate start and end dates of coverage to avoid gaps in coverage and to avoid paying for two insurances at once. Keep in mind that some states use HealthCare.Gov and some states use their own Marketplace.
Also keep in mind that cost sharing is based on annual policy periods. So if you switch plans you'll lose the money you paid into your cost sharing amounts.