State of residence for full timers

A multi-state plan means that the contract verbiage and coverages are the same in two or more states. Has nothing to do with being covered in multiple states. Look for a PPO plan from a large insurer if you want nationwide coverage. A multi-state HMO plan will not do the trick. I know this because this is exactly what Indiana offered under ACA and what I had for three months until I moved to Arizona. Indiana did away with its PPO plans under ACA. My ACA Indiana policy was multi-state and you may incorrectly assume that it means coverage in multiple states, but it does not.