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Old 10-05-2013, 11:13 AM
 
226 posts, read 445,609 times
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Okay, first off, I am neither considering nor advocating this idea. This post is merely intended to satisfy my curiosity on the subject and see what others think. Period.

Given the number of people moving to the Triangle who likely still have addresses in the previous state where there is more competition and hence lower health insurance rates, I wondered if it's something that would be possible?

I've known about people who use out of state addresses to get cheaper car insurance, so this morning I was thinking what's to stop people from doing the same thing with health insurance?
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Old 10-05-2013, 11:37 AM
Status: "busy" (set 10 days ago)
 
Location: under the beautiful Carolina blue
16,731 posts, read 25,716,068 times
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Where are they getting their insurance from? If it's an employer, you're not going to have much choice. If you're self employed, there is paperwork that must go along with your insurance. Too much to go into here, but we kept our old insurance when we moved here because my DH"s company was domiciled in NY, but once he switched it to here, it was not possible to keep the NY insurance. And keeping the company domiciled in NY was not to our economic benefit.

Our NY insurance was only slightly cheaper but it was better. Would be nice to still have that.
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Old 10-05-2013, 01:03 PM
 
1,242 posts, read 2,797,861 times
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Quote:
Originally Posted by Mussakka View Post
[b]

I've known about people who use out of state addresses to get cheaper car insurance, so this morning I was thinking what's to stop people from doing the same thing with health insurance?
I don't think that will be possible under the new ACA program unless they allow out of network coverage. It does bring up the question of what happens to people who split their time living in two different states and how ACA enrollment would impact healthcare coverage in those cases.
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Old 10-05-2013, 04:22 PM
 
Location: NC High Country
3,856 posts, read 6,628,624 times
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Quote:
Originally Posted by Starglow View Post
I don't think that will be possible under the new ACA program unless they allow out of network coverage. It does bring up the question of what happens to people who split their time living in two different states and how ACA enrollment would impact healthcare coverage in those cases.
I imagine it would be based on which location a person declares as his/her legal principal residence.
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Old 10-06-2013, 08:25 AM
 
37,896 posts, read 14,764,101 times
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Quote:
Originally Posted by roadpony View Post
I imagine it would be based on which location a person declares as his/her legal principal residence.
Many retirees who travel arrange to have a home of record in Florida, Washington, Texas, or Alaska as these states have no state income tax.

They rent mailboxes that have addresses not just box numbers. They open bank accounts.

I always thought you had to be in one place for 6 months and one day to declare residency. But apparently, not.

Many wealthy people have homes in Florida and declare that as their state of residence. Ft. Meyers, Naples...even though they may live in other homes a good part of the year.

Wonder how folks like these handle health insurance.
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Old 10-06-2013, 01:04 PM
 
Location: Phoenix, AZ > Raleigh, NC
15,021 posts, read 18,879,998 times
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Quote:
Originally Posted by Mussakka View Post
Okay, first off, I am neither considering nor advocating this idea. This post is merely intended to satisfy my curiosity on the subject and see what others think. Period.

Given the number of people moving to the Triangle who likely still have addresses in the previous state where there is more competition and hence lower health insurance rates, I wondered if it's something that would be possible?

I've known about people who use out of state addresses to get cheaper car insurance, so this morning I was thinking what's to stop people from doing the same thing with health insurance?
Can you say "fraud"? And guess what - file a claim and they figure it out and they can legally say you have no health insurance.

Same goes for car insurance companies, btw. I worked with someone that tried to pull this trick and got caught. The entire policy was null and void.
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Old 10-06-2013, 06:18 PM
 
Location: Midwest
978 posts, read 1,613,110 times
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Not sure about the new ACA, but my current insurance is through BCBSNC even though I do not live in NC anymore. They told me I can keep it because the policy was started when I lived in NC. I am going to cancel it for 2014 because it's cheaper to get insurance in my current state than to keep my current policy.
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Old 10-06-2013, 08:04 PM
 
226 posts, read 445,609 times
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Quote:
Originally Posted by Jkgourmet View Post
Can you say "fraud"? And guess what - file a claim and they figure it out and they can legally say you have no health insurance.

Same goes for car insurance companies, btw. I worked with someone that tried to pull this trick and got caught. The entire policy was null and void.
Yeah, I make no pretense this is legal. Yet, with so many people able to use the system, it did bring this question to mind.

I've heard of auto policies being nullified retroactively. In other words, it's as if the insurance never existed. I suppose with medical stuff, if they did something similar then you'd suddenly be on the receiving end of a LOT of very expensive bills.
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Old 10-07-2013, 11:15 AM
 
Location: Phoenix, AZ > Raleigh, NC
15,021 posts, read 18,879,998 times
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Quote:
Originally Posted by Mussakka View Post
Yeah, I make no pretense this is legal. Yet, with so many people able to use the system, it did bring this question to mind.

I've heard of auto policies being nullified retroactively. In other words, it's as if the insurance never existed. I suppose with medical stuff, if they did something similar then you'd suddenly be on the receiving end of a LOT of very expensive bills.
Bingo. Happens with more frequency than you'd realize when people don't 'fess up about their pre-existing conditions.
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