I became a Florida resident in December, have a Florida driver's license. Cobra ran out in July - required to get a Florida policy since I'm a Florida resident. The health insurance agent I used confirmed that. The same policy in Ohio was quite a bit less.
My guess is (having been a former auto insurance adjuster) that if you move to Florida (i.e., become a resident) and do not change your policy location, you are risking a possible denial for failing to inform your carrier. It's possible that claims might slide by and the address change not get caught. But, if it's like auto insurance claims, if you file a big claim you might get a little more scrutiny. Likely all depends on who's processing your claim and how well-trained or alert they are that day. I would not take a chance. Somewhere in the fine print it probably mentions a requirement to notify them of an address or residency change.
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