Author Topic: How to handle Obamacare if travelling or living in multiple states  (Read 892 times)

FernFree

  • 5 O'Clock Shadow
  • *
  • Posts: 75
  • Age: 50
  • Location: Austin, TX
  • On my way!
How to handle Obamacare if travelling or living in multiple states
« on: September 11, 2017, 12:07:14 PM »
Wondering if anyone has experience with this and can let me know how this works or how you manage it.  What if you purchase your insurance on the ACA exchange but:
  • You live half the year in one state and half in another (snowbirds for example)
  • You want to take 6 months and travel around the country
  • You want to take 6 months and travel around the world
 

Thanks!

RidetheRain

  • Bristles
  • ***
  • Posts: 357
  • Age: 27
Re: How to handle Obamacare if travelling or living in multiple states
« Reply #1 on: September 11, 2017, 12:53:49 PM »
The answer for these is both the same luckily!

You should purchase your plan for your permanent address - where you vote, pay taxes, etc. Use the 51% rule if necessary.

If you move it is a qualifying life event and you need to change your insurance.

lhamo

  • Walrus Stache
  • *******
  • Posts: 9840
  • Location: Seattle
Re: How to handle Obamacare if travelling or living in multiple states
« Reply #2 on: September 11, 2017, 07:28:46 PM »
There are some plans that will offer care (at least for emergency stuff -- not necessarily for more routine things) at hospitals in their networks outside your state of residence.   For example, I found that some of the Regence BCBS had a provision that you could go to any BCBS certified hospital internationally and have it treated as an in-network case, again for emergencies only.   Premera BCBS did NOT have this provision, and was more expensive.  This was great for us, because the hospitals we would go to in China were BCBS certified.

It took a LOT of reading through fine print to figure this out.

If they are still being funded in your state, the Healthcare Navigators who work under expanded Medicaid funding are a great resource.  They are paid to help you navigate the ACA/Medicaid.   Someone in another thread mentioned that their funding has been cut off under the current administration, but not sure if that is universal or not (mine was still sending me emails as of August)