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ObamaCare Health Plans: Am I Covered When I Travel?

November 07, 2014

By Katie Banks+

ObamaCare health plans offer coverage that stay within certain networks, but does it cover you when you travel? It depends.


What if I Have a Health Emergency in Another Country?

Most ObamaCare health plans do not cover foreign emergency care. When traveling abroad and while cruising you’ll want to get travel insurance.

What if I Have a Health Emergency in Another State?

One of the essential health benefits of ObamaCare is that all emergencies must be covered at in-network costs. So you don’t have to worry if you break your arm in hiking in Utah but your plan is in California.

What if I Travel in the U.S. and Need Non-Emergency Care?

While most Obamacare health plans have a limited network within your area and do not cover you for out of network costs, some plans, like a PPO, allow you to visit out of network doctors. However, just because you may be able to visit out of network doctors for non-emergency care does not always mean you will have coverage outside of your state. You will need to check with your provider or agent to see if you are covered. Click here to see the difference between an HMO, EPO, and PPO.

To learn more about a health plans network call 800-930-7956 or to apply go to

The next open enrollment for new health coverage begins October 15, 2015. Applications must be submitted before December 7, 2015 to start a plan in 2016. If you are looking to get covered in 2015 you still have a few options. See link below:

Click here to learn how to get covered in 2015 if you missed the Obamacare 2/15 deadline.

Comments for ObamaCare Health Plans: Am I Covered When I Travel?

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By lori ferguson on January 01, 2015

I am looking to start travel nursing with in the usa, what plan would you recommend I obtain? My primary resifence will be ny. I plan to go to tx, ca, and ak.


There may be an insurance company that will offer nationwide coverage, however without knowing additional information about you we wouldn’t be able to suggest a plan. Please call 800-930-7956 to speak to an agent who may help you find the right plan for you.

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