You must select the state of your primary residence when choosing an ACA healthcare plan. Many individual plans only include local or regional providers, so you can’t effectively use your state insurance policies if you’re looking in a different state. However, if you are looking for a short term plan or health share, you have a few options out of state.

If you have 2 residences in different states, you may need to consider additional insurance options. Some people choose to only buy an ACA plan in one state, even when they travel. However, if you do this you won’t have any coverage while living in another state. If you need medical care, you would need to travel to your other state to receive insured care.

One way around this is to establish residency in both states and enroll in a new plan every time you move from one house to another. This can be a viable option, but for many people, it can be a hassle.

Other options include health shares or short term health plans with a PPO network, which can provide coverage in multiple states.
Ultimately, the best choice for you will depend on your unique situation. Thanks to our Find My

Plan Tool, you can compare your health insurance options and select the perfect plan that meets your needs.

Many people use the Find My Plan tool because of its access to individual healthcare plans for state insurance policies. But we offer much more than that. Our resources help you find coverage for any health concerns.

Visitors can use the Find My Plan tool to consider vision insurance options. This type of insurance covers routine eye exams, prescription eyewear, and certain other vision treatments. Vision coverage usually works similarly to primary health insurance. Typically, you pay a monthly premium in exchange for benefits.

Our technology can also help you find dental insurance coverage. Dental insurance often covers preventive care appointments, routine cleanings, restorative work, and diagnostic procedures. Depending on your age and oral hygiene routine, you may be looking for specific services. The Find My Plan Tool simplifies your search and shows plans that cover your unique requirements.

You can even use our resources to secure life insurance services that protect your family and loved ones. Trying to find a policy that fits your situation? Our tools make sure your family is ready for success in worst-case situations.

The Instant Health Find My Plan tool even helps with supplemental insurance plans, such as critical illness insurance. If you receive a serious diagnosis, a critical illness plan can provide financial protection to cover medical expenses or time off from work. Different plans offer coverage for different illnesses. But common policies cover cancer, heart attacks, strokes, organ transplants, and similar major illnesses. Similarly, we can also help you find an accident insurance plan. These plans cover accidental injuries such as car accidents, sports injuries, or work-related injuries.

No matter what kinds of health insurance you may need, our technology is ready to help you provide an effective safety net for your state insurance policies.

Though each state has unique rules defining health insurance eligibility and requirements, the Affordable Care Act standardized many aspects of health insurance across the states.

Initially, the ACA required citizens to obtain healthcare coverage or pay a tax penalty, but this mandate was later repealed. However, it’s important to note that there are still some states that require you to have health insurance. As of 2024, New Jersey, California, Rhode Island, Massachusetts, and the District of Columbia all require residents to have health insurance coverage. The penalties for noncompliance vary by state, but you will need to pay a tax penalty if you do not have health coverage in any of these places. If you live in one of these states, we’ll make sure you know that there are potential penalties for not enrolling in state insurance policies.

Health insurance companies typically form contracted relationships with doctors and providers across each state, creating a “network” of providers. With these partnerships, the insurance companies can offer better savings for policyholders. If you visit an out-of-network provider, your insurance company has little control over pricing, leading to higher costs. Even if your plan does cover some portion of the bill, you will be responsible for paying the remaining balance that exceeds your coverage.