As of 2026, the short answer to whether you can buy health insurance across state lines is . Under current law, you must purchase health insurance in the state where you have your permanent legal residence.
Choosing insurance if you live in 2 places | UnitedHealthcare
While federal law (the Affordable Care Act) theoretically allows for "health care choice compacts"—agreements between states to let insurers sell across borders—no insurers currently offer plans through these arrangements, and no states have actively joined together to implement them.
As of 2026, the short answer to whether you can buy health insurance across state lines is . Under current law, you must purchase health insurance in the state where you have your permanent legal residence.
Choosing insurance if you live in 2 places | UnitedHealthcare
While federal law (the Affordable Care Act) theoretically allows for "health care choice compacts"—agreements between states to let insurers sell across borders—no insurers currently offer plans through these arrangements, and no states have actively joined together to implement them.