When can I enroll in health insurance?

You can enroll during the annual Open Enrollment Period (November 1 - January 15) or during a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, moving to a new state, getting married, or having a baby.

What subsidies are available for health insurance?

Two main subsidies are available: Premium Tax Credits (which lower monthly premiums based on income) and Cost Sharing Reductions (which lower out-of-pocket costs for Silver plans). Eligibility depends on household income and family size.

How do I find out what plans are available in my state?

Plans vary by state, county, and insurance carrier network. A licensed insurance agent can review options specific to your location and help you compare coverage and costs.

New address? Your plan doesn’t always move with you

Health plans are built on local networks. A permanent move to a new state — or even a new county — usually qualifies you to pick a new plan built for where you live now.

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Networks are local

Your old plan’s doctors and hospitals may be out-of-network at your new address, which can turn routine care into full-price bills.

The move must be permanent

Vacations and temporary stays don’t qualify. A new permanent address does — and you generally need to have had coverage before the move.

Subsidies change by county

The same income can qualify for a different subsidy in a different county, because benchmarks are set locally. Worth re-checking even for an in-state move.

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Common questions

How long do I have after moving?

60 days from the date of your permanent move. You can often start the process before the move so new coverage begins when you arrive.

I moved within my state — do I still qualify?

If the move changed the plans available to you (usually a new county or ZIP), yes. An agent can check your specific addresses in minutes.

Two minutes tells you where you stand

Answer a few questions and a licensed agent confirms your enrollment window and real plan prices.

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