My brother has Crohne’s disease, and is considering moving out of state. He’s concerned he will have to go a month without health coverage if this is the case, but I’ve never heard of this. Is it true that if you sign up for health care from a private insurance company via the Affordable Care Act that there is necessarily a 30 day transition period after moving of having no insurance?
There is a 60 day special enrollment window that is triggered by moving out-of-state. If your insurer offers Marketplace plans in the state he is moving to, he may simply be able to transition to another plan from that insurer. He can also apply to the Marketplace to have coverage start on the day the plan will end to ensure no coverage gap. One can run into a problem with a 30 day coverage gap if they wait until they lose their plan to enroll in a new one.
If he enrolls in a multi-state plan that covers both states, he may not even have to switch coverage. Have him check out BCBS plans, they tend to offer flexible multi-state PPOs.
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