We are considering moving to Michigan (I am here now helping.) Was wondering if we did transfer states if our deductible and copays already acquired would transfer if I do move. Thank you.
If you switch plans mid-year what you paid toward your deductible or out-of-pocket maximum will reset. This can be avoided with a multi-state plan.
This means that moving mid-year and having to change plans after paying a good bit into your deductible can be a major disadvantage.
As mentioned above, this can be avoided with multi-state plans or by staying on your current plan, but plans and cost assistance are region based making staying on the same plan difficult when moving (as you must apply for cost assistance through a state you live in). This means in practice most people who move or switch plans mid-year will simply forfeit their deductible.
If you have a major insurer who covers both states you can try talking to them to see if they have any suggestions, but at the end of the day you should expect that you will lose the money you have contributed toward your deductible or out-of-pocket maximum. Given this it may be smart to go with a high premium low deductible plan for the rest of the year.
This sounds really unfair, and sometimes that is the way it plays out. But consider this scenario from the insurers side of things: Someone gets a dirt cheap plan from insurer X, pays $1,000 out of pocket. Waits until the month before their plan resets to have a new plan start (December since all plans reset January 1st under the ACA), gets a new plan from insurer Y with a $1,000 out-of-pocket maximum and then get's super expensive surgery for free from insurer Y by transferring over the $1,000 of out-of-pocket costs paid toward their old plans maximum to insurer X. This loophole would spell big trouble for insurer Y and would be unfair to insurer Y and everyone on insurer Y's plan. Make sense? Somewhere there is a more elegant solution, but this is the way it is.