Relocation Health Insurance

Who it's for

• People moving to a new state for work, family, school, or retirement
• Anyone moving to a new ZIP code or county with different plan options
• Families relocating together who need coverage that works in the new area
• People whose current plan's network doesn't reach their new home

How it works

Individual health plans are built around a service area. When you move to a new state, or sometimes a new county, the plans and networks available to you can change completely, and your current plan may no longer work.

A permanent move is generally a qualifying life event. If you had qualifying coverage for at least one day in the 60 days before the move (with some exceptions), you can usually pick a new plan in your new area during a Special Enrollment Period.

Your marketplace may change too. Most states use HealthCare.gov, but some run their own. Of the states Hollen serves, Georgia uses Georgia Access, while the others, including Oklahoma for 2027, use HealthCare.gov.

What it covers

When you relocate, Hollen can help you:

• Confirm whether your move qualifies for a Special Enrollment Period
• Compare plans and networks available at your new address
• Check doctors, hospitals, and prescriptions near your new home
• Time the switch so your coverage doesn't lapse

What affects the cost

Prices aren't one-size-fits-all. These factors usually make the biggest difference:

• Your age (ACA rules limit how much more older adults can be charged)
• Where you live, down to your county and ZIP code
• Tobacco use, which can raise premiums in many states
• Who is on the plan (just you, you and a spouse, or a whole family)
• The metal level and network type you choose
• Household income, which determines any premium tax credit or cost-sharing reduction

Premiums and plan options are local, so the same plan type can cost noticeably more or less in your new county. Savings are recalculated based on plans in your new area.

When you can enroll

After a permanent move you typically have 60 days to choose a new plan. If you move outside a Special Enrollment Period, you can also enroll during Open Enrollment. For 2027 coverage, Open Enrollment runs November 1, 2026 through January 15, 2027. Choose a plan by December 15, 2026 for coverage that starts January 1; plans chosen December 16 through January 15 generally start February 1.

Key things to know

A move is generally a qualifying life event

Moving to a new home in a new ZIP code or county, or to a new state, can let you enroll in or change plans outside Open Enrollment.

Prior coverage is usually required

To qualify based on a move, you generally need to have had qualifying health coverage for at least one day in the 60 days before the move. There are exceptions, such as moving from outside the U.S.

The window is limited

You typically have 60 days from the move to choose a plan. Reaching out before you move can make the transition smoother.

Plans are local

Individual plans are tied to where you live. A plan or network from your old state usually won't carry over to your new one.

Moving for a short time may not qualify

A temporary move, like a vacation, generally doesn't qualify for a Special Enrollment Period.

Common mistakes to avoid

• Keeping an old plan whose network doesn't reach your new home
• Waiting too long and missing the 60-day window
• Assuming a temporary stay counts as a move
• Not updating your address with your current marketplace
• Forgetting to check prescriptions with plans in the new state

How Hollen helps

Hollen is licensed in 14 states, so she can often help you before and after a move between them. She'll confirm whether your move qualifies, compare plans and networks at your new address, and time the switch so you're never without coverage. See the states she serves.

Frequently asked questions

Related coverage

Individual / Private Health Insurance · Family Health Insurance Plans · Student Health Insurance · Short Term Medical · Affordable Care Act (ACA) Plans

Hollen is licensed in 14 states. See coverage details for South Carolina, North Carolina, Georgia, Texas, Florida, or all licensed states.

This page is general educational information, not a guarantee of coverage, eligibility, or cost. Benefits, availability, and rules vary by plan, carrier, and state. Contact Hollen for details on specific plans.