In the future I plan to live in a Northern state in the summer due to the heat in the South, and in a Southern state in the winter due to the cold in the North. I need to be on a silver plan, because I have a chronic disease that requires regularly expensive medications. In fact, this chronic disease is the main reason I have to live in temperate climates, never too hot or too cold on a prolonged basis, hence my half year / half year state switching.
As far as I can tell, there should be nothing illegal in switching states every half year with silver plans on-exchange. It just seems that with every switch the deductibles and MOOP reset, which I think is unfair because they should be annual figures (overall), not annual-per-plan-enrollment. So I'd have two enrollments per year, which would reset my deductibles and MOOP twice per year.
- Are there minimum/maximum number of days one needs to reside in a state to be eligible for a silver plan?
- What do others do? I know there are plenty of people that have a summer home and a winter home. They'd also have two switches per year.
Am I missing something obvious?
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