Just Moved? Here's How to Get Health Insurance Without Waiting for Open Enrollment

Apr 14

Moving is stressful. You’re juggling boxes, paperwork, and endless logistics. There’s a new address to update, a new grocery store to find, and probably a few pieces of furniture to assemble. But there’s one thing people often forget in the chaos—health insurance. If you just moved, you might assume you have to wait for open enrollment to get coverage. But that’s not always true. In fact, moving can open a door many people don’t know exists. So, is moving a qualifying life event? Yes, and it can allow you to enroll in a new health plan right away—even if you missed open enrollment. But there’s a catch: you have limited time to act. If you don’t understand the rules, you could lose your chance and stay uninsured for months. This article explains how to get health insurance after a move, what qualifies, and how to make the smartest choice for your new situation.

What Are Qualifying Events for Insurance?

A qualifying life event is a major change that allows you to enroll in a health insurance plan outside the usual open enrollment period. Moving is one of those events.

According to federal guidelines, moving to a new ZIP code or county qualifies—so does moving to the U.S. from abroad. Even a move within the same state could count, depending on your situation.

But not every move qualifies. You usually must have had coverage in your previous location. If you moved from a place where you didn’t have health insurance, you may not automatically qualify. There are exceptions, though—especially for students, seasonal workers, or people coming off Medicaid or job-based plans.

Why Does Moving Count?

Health insurance markets vary by region. The doctors, hospitals, and even premiums change based on where you live. If you’re no longer able to use your old plan, the system gives you a chance to switch.

But there’s a deadline. You only get 60 days after your move to apply. Miss that, and you might be stuck waiting until the next open enrollment.

What You’ll Need to Apply

You don’t need a mountain of paperwork—but you will need a few things:

Proof of your move. This could be a lease, utility bill, or mail with your new address.
Proof of prior coverage. If you had a health plan before the move, have your cancellation letter or insurance documents ready.
Basic ID info. Social Security number, income details, and employment info.

Most applications are processed through the federal marketplace (HealthCare.gov) or your state’s exchange. You can also apply through private platforms or licensed agents.

When Does Coverage Start?

Coverage usually begins the first day of the month after you enroll. But timing matters. If you wait too long into the month, you could find yourself uninsured for weeks.

If you apply on July 15, for example, your coverage typically begins August 1.

Need faster coverage? Some insurers and short-term plans offer options that kick in sooner. But be cautious—short-term plans don’t always meet the same coverage standards. They may not include things like mental health services, maternity care, or prescriptions.

What If You Miss the 60-Day Window?

If you don’t act within the 60 days, your options shrink. Here’s what might still be available:

Medicaid: If your income is low, you may qualify year-round.
CHIP: For children and some pregnant women.
Employer-sponsored insurance: If you start a new job after the move.
Short-term plans: Temporary coverage, but with gaps in benefits.

Avoid the trap of assuming you can’t get coverage. There are often more paths than you think.

How to Choose the Right Plan

This part gets tricky. After a move, your doctor network changes. So does your access to specialists and hospitals.

Here’s what to consider:

Are your doctors in-network? Look them up before committing to a plan.
What are your prescriptions? Make sure your medications are covered and affordable.
Do you travel often? A broader network might make sense.
What’s your income? You may qualify for subsidies. In 2023, 91% of people who enrolled through HealthCare.gov got financial help.

Also, think about your health history. Do you need frequent care or just basic coverage in case something goes wrong? Picking a higher-deductible plan might save money if you’re healthy—but could cost more later if something happens.

The Stress-Free Way: Use a Licensed Agent

Choosing a plan can feel overwhelming. Between subsidies, networks, and metal tiers (bronze, silver, gold), the process gets complicated fast.

That’s where a licensed agent can help.

Agents like those at DontGoUncovered.com walk you through every step. They compare plans, check your doctors, and help you apply for subsidies. Best of all, they do it at no extra cost to you. The right agent ensures you don’t leave money—or benefits—on the table. For someone who just moved, it’s the easiest way to make sure your health coverage doesn’t slip through the cracks.

Health insurance isn’t just a box to check—it’s peace of mind. After a move, your routine is already upside down. The last thing you need is to worry about what happens if you get sick or injured. Getting covered quickly means one less stress in a time of major transition. It protects your finances, gives you access to care when you need it, and helps you feel settled faster. Don’t let confusion or hesitation keep you from securing coverage. You only get one chance to use your move as a qualifying life event—and the clock starts ticking the day you arrive. Ask yourself: if something happened tomorrow, would you be protected? If the answer is no, take the next step today. The right plan is out there—and with the help of a licensed agent, it’s easier to find than you think. Prioritize your health. You’ve already moved. Now move forward.