Individual health insurance when moving states
September 23, 2013 11:36 AM Subscribe
I am recently unemployed (as of Sept 1st) and will be moving from Texas at California in late October. Please help me figure out what I need to do for health insurance.
posted by Durin's Bane to work & money (8 answers total)
I've read previous AskMe questions on individual health insurance but I'm mostly concerned about how my move will affect my enrollment.
33 year old male, no family members.
Unemployed since September 1st.
No current health insurance.
I reside in Texas and plan to move to California in late October (without a job).
I rarely have medical expenses and have sufficient savings for a high deductible plan.
No pre-existing conditions, although three years ago I saw a psychologist for a couple months and was diagnosed with depression (thanks grad school!).
My understanding of COBRA is that I have two months from my last day of employment to enroll, and coverage will apply retroactively to this current period when I'm seemingly not paying anyone for coverage (but will have to backpay for this time).
I will have to pay $500/month.
I'm looking at high deductible plans that websites are showing in the $100-$200 range. Also, because of the retroactive coverage of COBRA, it seems like I can start an individual plan before the two months expires and end up not actually paying COBRA $1000 for September and October as long as I don't have any medical expenses.
These plans appear to be apply to single states and not nationally.
1. Is my understanding of anything above incorrect?
2. How do I find an individual plan across states since I will be moving soon after I enroll?
3. Would it be easier to just pay the expensive COBRA plan?
4. Does the Affordable Care Act starting on Jan 1st change anything for me now?
5. Am I overlooking other options? I'm vaguely aware of short-term coverage.
6. Is this beyond the scope of AskMe, and is there an unbiased professional who would answer these questions?