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Affordable Care Act Multi-State Plans

September 25, 2013

By Amy De Vore+

ObamaCare, the informal name of the Affordable Care Act, offers multi-state plans for those who hold residence in two states or work in one state and reside in another. These plans may be purchased on the Exchange but may require an agent’s help to make sure you that you have chosen the correct plan of the new Affordable Care Act Bronze Plan, Silver Plan, Gold Plan, and Platinum Plan.


What if I have an Emergency?

You do not need a muti-state plan just for traveling, as all of the new ACA plans include the essential health benefits. One of the provisions of the essential benefits is that emergency services must be covered regardless of whether or not you are in network.

Who Needs a Multi-State Plan?

This is for the bi-coastal/snowbirds out there. You know LA to NYC or if you winter in the Keys. With a multi-state plan you can seek non-emergency care from any health care provider in your network (and emergency care from any health care facility).

What if My Resident State Neighbors the State I Work in?

This is not totally clear whether you need a multi-state plan or not. For instance, if you live in Virginia but work in DC, you technically would want to have a multi-state plan for the purposes if you get a cold or rash and want to seek immediate but non-emergency services. What is not clear is if your provider knows that you live in VA, work in DC and you seek emergency services in your non-resident state, would that be considered gaming the system? Hmm… we don’t know. But we will look into that for you.

What are the Rates for Multi-State Plans?

As far as we know you have to name the two states you would be covered in, so this is a case by case basis. So if you live in states with relatively low premiums your plan should reflect that and we are gathering it would pretty close to your single state premium. However, if you have a plan in New York (age is not a deciding factor on plan rates) and say California your premium would be higher than if you were just purchasing a plan in CA, alone. Again, this is all presumption. For your specific rate call 800-930-7956 or contact Medicoverage.


Open enrollment for new health coverage begins Nov 15, 2014. Applications must be submitted before Feb 15,2015. Apply for an ACA Plan Here


Comments for Affordable Care Act Multi-State Plans

By Susan Hefner on February 27, 2014

I need a multi state health plan for wi & az. My husband is living in Phoenix az because of a job and has since established az as his primary residence. My primary residence is wi. I dont plan on moving within the next year to az We are both 60.  Most of the healthcare would be for me.  I am on SSD and will not receive Medicare until November We do travel back and forth.  He is a self employed contractor in bathroom remodeling.  Marketplace has been no help.  We do plan to file jointly.  I started marketplace in December and no one can tell me how to handle this.  Thank you   Susan

By Maura Coppola on April 10, 2014

I am planning to retire within the year at age 62. I will need to purchase health insurance and will live in CT and FL.
I would like to know coverage options and costs for health insurance to be covered in both states.

Thanks for you question.  Since you will retire before you turn 65 you will need to purchase an individual plan. We know how frustrating it can be to find a plan that covers you in two states. Since your situation is unique, please call 800-930-7956 to speak to an agent to find what health coverage is best for you.
-Chris from

By Astrid on April 20, 2014

Hello. My husband is 66 on Medicare I am 61 and we were a small group with our business. With the new health insurance laws we are no longer considered a group. I need an individual plan. The problem is we spend winters in Florida and live the other time in New York. I understand from my broker that there is no insurance that will cover me in New York and Florida. He says my only option is to get a Travelers insurance plan for my time in Florida. What are your thoughts on this? The highest travelers plan will only cover $100,000 per incident. The other individual plans for New York will cover emergency in other states but very limited from what I understand.

Thanks for your question. You are right that all plans offer emergency coverage no matter where you are in the states. As far as your travelers insurance plan it would depend on a few issues. Please call 800-930-7956 to speak to a Medicoverage agent to figure out what is the best plan for you.
-Chris from

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