As a general rule: If you live in one state and work in another, you should usually buy health insurance in the state where you live. If you split your time between multiple states, you should buy health insurance in the state where you live most of the year.

Do you have to be on the same health insurance as your spouse?

Married Couples Can Come Out Ahead with Separate Health Insurance Plans. While you check the “married” box, you may want to keep your health insurance plan status as “single.” It might seem counterintuitive to do that since it’s often assumed that family health plans save money. But that’s not always true.

Can I still be on my parents insurance if I live in a different state?

Yes, you are eligible to be covered as a dependent up to age 26 regardless of where you actually live. However, your parent’s health plan probably has a network of participating providers and it may be difficult for you to find in-network care when you are living in another state.

Does Obamacare cover you out of state?

How will my coverage work if I am traveling out of state or out of the country and need medical care? When you’re traveling outside of California, your insurer doesn’t matter: You are only eligible to have emergency and urgent medical services covered.

Can I keep my Kaiser insurance if I move out of state?

You’ll need to notify your current exchange about your relocation plans and receive a coverage eligibility determination from your new state exchange. But you should be able to move seamlessly without a gap in coverage from one exchange to another, according to the Department of Health and Human Services.

Can you still be under your parents insurance if you move out?

Yes. You can stay on your parents’ car insurance if you move out, but only under certain circumstances, like if you’re off attending school, you’re an eligible dependent driving a car owned by your parents, or you live in another house your parents own.

Do you have to have the same health insurance as your spouse?

Spouses tend to be covered on the same health insurance policy. But that’s not always possible, nor is it always the option that makes the most sense.

What are some examples of married couples having separate health insurance?

Some examples include: 1 One spouse turns 65 and becomes eligible for Medicare, while the other is still younger than 65. 2 One spouse is disabled and qualifies for Medicaid or Medicare, while the other is able-bodied. 3 A pregnant woman may qualify for Medicaid or CHIP (guidelines vary by state), while her spouse does not. 10 

Can a couple get divorced if they live in different states?

In other cases, the spouses have continued separate lives in different states for several years. Even if spouses live in different states, they can still get divorced. You do not have to go back to the state that issued your marriage license. Instead, you can only file in the state where you or your spouse meet the residency requirement.

What happens when spouses live in different states?

Couples who are married and living apart may be at any stage of life, with a variety of financial circumstances in play. But if couples live across state lines, they should take special care to make sure that they have a handle on their tax situation.