Do my health benefits still work if I move states?

Last updated: November 11, 2026

Applies to: US W-2 employees who are enrolled in, or eligible for, Ascen health benefits. Independent contractors, Canadian T4 employees and international workers are not on these plans, so this article does not apply to them.

Summary: Yes. Your Ascen health benefits are not limited to the state you lived in when you enrolled: if you move to another US state you still qualify, and the state you live in does not affect what you pay for coverage, so moving does not raise or lower your premium. If you are moving to Hawaii or Puerto Rico, email support@ascen.com to check what this means for your coverage: the US Benefits Enrollment Guide says FlexWork medical is not available there, and some products are not available in every state.

What stays the same when you move

  • Your eligibility. Moving to another state does not change whether you qualify. If you are moving to Hawaii or Puerto Rico, see the section below.

  • Your cost. What you pay for coverage is not based on the state you live in, so moving to a cheaper state does not lower your premium, and moving to a more expensive one does not raise it.

  • Your elections. Your elections stay as they are until the next Annual Open Enrollment, unless you have a Qualifying Life Event.

What to do when you move

  1. Update your home address. Log in at app.ascen.com, open your Profile and save your new home address. See How to update your personal information.

  2. If you are enrolled, email us. Your health plan keeps its own copy of your address, and changing your address in Ascen does not update it. That is the address where things like your physical insurance card are mailed. After you update your profile, email support@ascen.com to tell us your address has changed, and we will update it with the plan for you.

  3. Find doctors in your new area. To find in-network providers near your new home, use flexwork.uhc.com or call UnitedHealthcare at 1-855-892-2401.

  4. Review your state tax withholding. Changing your address may affect your state tax withholding, especially when you move to a different state. See Working or living in more than one state: how state taxes work and How do I fill out my US tax forms (W-4)?

If your move affects which plans you can have

The US Benefits Enrollment Guide notes that UnitedHealthcare FlexWork medical is not available in Hawaii or Puerto Rico, and that some products are not available in every state. Certain changes in residence that affect which plans are available to you are among the examples of a Qualifying Life Event. If you are moving to Hawaii or Puerto Rico, or you are not sure your plans are offered where you are moving, email support@ascen.com and ask what it means for your coverage. For how mid-year changes and their deadlines work, see What is a Qualifying Life Event?

Where to get help