Residency plays a crucial role in determining eligibility for health insurance. Most health insurance plans, including those offered through the Health Insurance Marketplace, require enrollees to live in the plan’s service area. Additionally, state-specific programs like Medicaid require applicants to be residents of the state where they are applying for benefits.
On group plans, out-of-state employees might need to enroll in a PPO plan even if an HMO is offered as an option to in-state employees.