Will Your ACA Plan Cover You Out of State? What to Know Before You Travel

Traveling This Summer? Make Sure Your ACA Plan Comes With You

Are you planning a getaway this season—a road trip, a family visit, or even just crossing a state border for some relaxation? Before you pack your bags, take a moment to review something just as important as your itinerary:

Your health insurance coverage.

If you're enrolled in an ACA (Affordable Care Act) health plan, it's essential to understand how your coverage works when you're traveling out of state. Your insurance may not extend as far as your travel plans.

Will My ACA Plan Cover Me Out of State?

It depends on your specific plan. Here’s what you need to know:

• Emergency care is always covered anywhere in the United States.

  
  

• Non-emergency care (such as office visits, urgent care, or specialists) may not be covered outside your plan’s home state or provider network.

  
  

• Some ACA plans include national networks, while others are limited to your local area.

  
  

Before You Travel: A Quick Insurance Checklist

Take these steps to ensure you're protected during your trip:

• Review your plan’s summary of benefits and network coverage

  
  

• Locate nearby urgent care or emergency facilities at your destination

  
  

• Ensure you have enough medication and understand refill policies

  
  

• Carry your insurance ID card and provider contact information

  
  

• Explore your plan’s telehealth services for remote care options

  
  

Have Questions About Your Coverage? Let’s Review Together.

If you're unsure whether your ACA plan offers the coverage you need while traveling, we're happy to help. Taking a few minutes now can help you avoid costly surprises later.

Travel Smart. Stay Covered.

No matter where you’re headed this summer, make sure your health insurance is ready to go with you. A little preparation goes a long way toward peace of mind.