Q. I purchased health insurance under the Affordable Care Act in Texas. I have now moved to Colorado. How do I transfer my coverage?
A: You’ll be selecting a new Colorado plan rather than transferring your Texas plan. A permanent move to a new state is a qualifying event, which means you have a special open enrollment window to purchase a new plan in Colorado.
As of July 11, 2016, a special enrollment period based on a permanent move to a new area will only be available for people who already had minimum essential coverage for at least one of the 60 days prior to their move. Prior to that date, a special enrollment period was available anytime someone moved to a new area where different health plans are available – regardless of whether the person was insured prior to the move. The switch to requiring that the person already be insured prior to the move is an effort to ensure that people are not gaming the system by going without coverage and then moving to a new area when they find themselves in need of health care. In your case, there will still be a special enrollment period regardless of the date of your move, since you had coverage in Texas prior to the move.
You have 60 days from the date of your move to complete your enrollment. If you enroll by the 15th of the month, your coverage will be effective on the first of the following month. If you enroll between the 16th and the end of the month, your coverage will be effective the first of the second following month.
Here are the details on how special open enrollment periods work.