Whether or not you can use your health insurance in other states depends largely on the network you chose when enrolling. Some plans offer broad nationwide coverage, while others have limited access or no out-of-state network, so it really depends on what your specific insurance plan dictates. But regardless of your nationwide coverage, all insurance plans cover life-threatening emergency care at any emergency room across the country (except Hawaii). But keep in mind: insurance is only required to cover emergencies out-of-state, so ensure you’re facing an actual emergency if considering the ER while traveling.