If my permanent address is in one state but I work remotely from another state, which state’s laws does my health insurance company have to follow?

Hi,

So I have a kind of complicated situation. My permanent address is in Georgia, my doctors are all in Georgia, I usually use pharmacies located in Georgia, but my job is in Rhode Island. I’m in Rhode Island temporarily, I’m working onsite for a few months after which point I’ll move back to Georgia, and I still have the Georgia address as my permanent address. My prescriptions are being prescribed from Georgia though, since that’s where the doctors offices are. Georgia has a copay accumulator ban but Rhode Island doesn’t. So if I get health insurance from my job in Rhode Island, do they have to follow Georgia’s copay accumulator ban law at all? If so, will they have to follow it while I’m picking up prescriptions in Rhode Island temporarily, or only for prescriptions I pick up in Georgia or get shipped to Georgia? I’m 25 so I’m trying to figure out if it’ll make more sense to stay on my parents’ plan for the rest of the year (because the plan I’m currently on follows the copay accumulator ban in Georgia) or switch to my new employer’s plan.

Like for instance when I was living in Georgia, I once went on vacation to South Carolina and picked up one of my prescriptions with a copay card there, and even though SC didn’t have a copay accumulator ban at the time they still counted that transaction to my deductible.

So basically the question is, how does one determine which state the insurance company is operating out of, and which laws they have to follow? Specifically for copay accumulator bans.