Living "out of area" is always a little tricky with insurance companies because they typically chop your benefits for living out of state -- as we found out to the tune of several hundred thousand when receiving treatment for serious illness while living out of state. Not sure about this, but I don't think the ACA did anything about this kind of situation; they were more concerned with pre-existing conditions and the like. (Speaking of which, I'm certainly happy with that pre-existing clause of the ACA. My wife and I would both be in deep doo-doo without it.)
:)
Lynn