Author Topic: Does moving while on COBRA trigger an ACA special enrollment period?  (Read 1335 times)

sloth

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Background:
Husband FIRED last year and my date is coming up soon.
We live in TX and plan on getting our house ready to sell in TX and then relocate to PA in some tbd amount of time after my FIRE date.
Our plan is to extend our medical coverage through my employer in TX using COBRA since we will only be here in TX a short amount of time before moving and my insurance is available in PA, so we will have access there.

From what I have read, moving triggers a special enrollment period for ACA coverage.
However, when looking on healthcare.gov at what triggers an ACA special enrollment period for COBRA, moving isn't listed.
When I fill out the form on healthcare.gov to see if our circumstances will trigger a special enrollment period, the answer is likely yes.

Does anyone know that if we move to a different state while covered by COBRA, if that would trigger an ACA special enrollment period?
Has anyone gone through this?




Caoineag

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Re: Does moving while on COBRA trigger an ACA special enrollment period?
« Reply #1 on: January 27, 2019, 11:15:49 AM »
What does your cobra say about moving out of state? My old cobra was for a large firm. You move more than 50 miles you let them know and they move you to a new administrator for that area but you don't lose coverage. My small forms cobra that I had a decade ago would have booted me which is loss of coverage which is a trigger for a special enrollment. I suspect large plans like my most recent is why you don't have a clear answer. Some cobras will cover you when you move out of state some don't. To trigger special enrollment, you need to lose coverage so the Cobra plan will dictate that.

sloth

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Re: Does moving while on COBRA trigger an ACA special enrollment period?
« Reply #2 on: January 27, 2019, 12:22:40 PM »
Thank you for the reply Caoineag
Since we aren't on COBRA yet, I'm not sure.
I guess this is one more question for HR.
I work for a small company that uses a larger company to administer benefits... so it could go either way.


Penelope Vandergast

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Re: Does moving while on COBRA trigger an ACA special enrollment period?
« Reply #3 on: January 29, 2019, 05:10:25 PM »
If you go with COBRA, make sure you really do have access to the same kind of provider network in your new state. Even if you have, say, Blue Cross Blue Shield in both states, the way your current state plan works may be different from your new state -- and the new state may only cover emergencies. In my experience, it would be very unusual for an employer plan in one state to have anything resembling similar coverage in a new state.

The move WILL allow you to get an ACA plan though, assuming you don't take COBRA or if you give up COBRA before you move. The ACA plan is likely to be way cheaper than COBRA also, depending on your income.

sloth

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Re: Does moving while on COBRA trigger an ACA special enrollment period?
« Reply #4 on: January 29, 2019, 05:58:27 PM »
Thanks Penelope
I have been talking with my awesome HR person, and we believe that my insurance coverage (for lack of a better word) will be similar. But, I really won't know for sure until I move, and report my new address. I have a good estimate of the cost and it is more expensive than a subsidized plan. We will transition to an ACA plan for sure in 2020.
What you said about giving up COBRA before moving triggering opening enrollment- do you have a reference for that?