You can buy a marketplace plan in one state only, and most cover the other state only in emergencies. How remote workers handle two states, with prices.
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Licensed Independent Agent · NPN #22052447 · 23 States
Short answer: you can buy a marketplace plan only in your primary place of living, and most plans are HMOs or EPOs built around that state. If you spend months somewhere else, care there is covered only in an emergency. A private plan on the UnitedHealthcare or PHCS PPO network works in both places, and the main one has no deductible.
The marketplace goes by your primary place of living: where you live and rent or own a home, work, or go to school. A second home you use part of the year does not give you a second plan. If your household is split across states, each person can apply in their own state or in the state of any tax filer in the household.
Age 35 in Utah, 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.
Want one plan that works where you are?
Send your ZIP code. A licensed agent prices your home state’s plans and the private plans on a national PPO network side by side. 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.”
The insurance company pays the agent, never you, and the premium is the same either way.
One licensed agent, NPN #22052447, who sells marketplace and private plans, so you hear about both.
Your ZIP code is the only thing needed to see what is available where you live.
Not two marketplace plans: you buy one in your primary place of living. A plan with a national network, like a private plan on the UnitedHealthcare or PHCS PPO network, covers both.
Your primary place of living: where you live and rent or own a home, work, or go to school.
Only if it changes where you live or your income. Over the tax-credit line the marketplace is full price, which is where a private plan is worth pricing.
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.
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.
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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.
★★★★★
“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.”