How is the “permanent move” special enrollment period changing?
Starting July 11, 2016, if you move you will be eligible for a special enrollment period only if you had previously been enrolled in other coverage. The new rule is that you must have been enrolled in minimum essential coverage (such as a job-based plan, Marketplace plan, or Medicaid) for at least 1 day in the 60 days preceding the date of the permanent move in order to qualify for the permanent move special enrollment period.
There are exceptions to this rule:
- If you previously lived in a state that did not expand Medicaid eligibility and were ineligible for Marketplace coverage in that state because your income was below the poverty level, and if you move to another state where you become newly eligible for premium tax credits, you will be eligible for the permanent move special enrollment period when you move to the new state
- If you moved from outside of the United States or a U.S. territory, you are eligible regardless of prior coverage
- If you are newly released from incarceration, you are eligible regardless of prior coverage
The new federal rule also eliminates the requirements for Marketplaces to offer advanced availability of the special enrollment period for people who anticipate a permanent move. Instead, Marketplaces are only required to offer the permanent move special enrollment period to people who qualify starting on the date the move takes effect. As a result, people who move may experience a break in coverage while they wait for their new plan to take effect. States have flexibility to expand special enrollment opportunities for consumers. Check with your State Marketplace for more information.