PlansByState

Health Insurance Across State Lines

For travel nurses, truckers, remote workers, snowbirds, students and movers: what a plan covers in another state, which work everywhere, and what they cost.

Prefer to talk? Call (713) 575-9904

Licensed Independent Agent · NPN #22052447 · 23 States

Short answer: marketplace plans are sold one state at a time, and most cover another state only in an emergency. In 7 of the 17 HealthCare.gov states covered here, no marketplace plan was a PPO in 2026. If your life crosses a state line, the plan’s network matters as much as its price.

pick the one that sounds like you

Does my plan work in other states?State by state: which marketplaces sell a PPO, and what covers you away from home. Travel nursesOne plan from contract to contract, in any state. Truck driversCoverage that works on the road, not just at home. Remote workersLiving in two states without two sets of rules. Snowbirds under 65A doctor in your winter state, too. College students out of stateYour plan versus your student’s campus. Moving to another stateThe 60-day window and what to do first. Cheapest states for private health insurance23 states ranked by the no-deductible plan’s price. What would I pay in each state?Your age and income, every state, cheapest first.

Three things that are true everywhere

Texas, no marketplace PPO
Marketplace benchmark Silver, full price (2027 estimate)
$852 a month
Private plan with no deductible, from
$375 a month
Difference over a year
$5,726

Age 45 in Texas, before health questions. The private plan covers less than an ACA plan and asks about your health; the marketplace price is before any tax credit.

Not sure which fits?

Send your ZIP code. A licensed agent shows what works where you live and where you go. Free, no obligation.

See my options →
“I don’t know why I was paying so much for my BCBS plan. I wasn’t even using it, maybe because the brand has such a big network, but now I pay half as much and I don’t have a deductible.”
Philip C., Health Advisory client · all 14 client reviews

Sources

General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.

Your coverage should work where you are.

Send the ZIP where you live most of the year. A licensed agent compares your home state’s plans with private plans on a national PPO network and tells you which fits. It costs nothing, and you deal with a licensed agent, not a call center.

Check my options ↓

More state rankings

What You Pay Above the Subsidy Cliff, State by State · Health Insurance Comparison Chart by State · Health Insurance Rating Areas, State by State · Health Insurance Premiums by Age, State by State · Insurers Leaving the ACA Marketplace in 2027 · Cheapest States for Health Insurance 2026 — All 51 Jurisdictions · Cheapest States for Health Insurance (2026) · 7 States With No PPO Plans · Where One Insurer Controls the Market · The Age Curve, State by State · Where Your County Matters Most · Carrier Competition by State

One plan for both your states? Start with your ZIP

Enter the ZIP where you live most of the year. A licensed agent compares your home state’s plans with private plans on a national PPO network that works in every state.

Takes about 30 seconds. No account, and you choose how you are reached.

“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
Mark T., client