After discovering which states accept out of state applicants I next compared the features of the different features.

Here are some of the features their program compares and I have listed in Green what I feel is a good standard amount (or the best amount I could find).  Things highlighted in BLUE writing are things that are better than average...

Is the account FDIC Insured... yes $250,000
Initial Minimum Contribution... $25
Annual Fee... $11.25 quarterly with electronic bank statements ($45 annually) (California is $37 and Pennsylvania is $42)
Required minimum yearly contribution...$25 (Massachusetts is $0, Ohio is $1)
Fees or restrictions on disbursements...No
Roll over to another Able Acct...yes and $0
Debit Card Cost....$0 if balance is over $250 (Nebraska had $0 with no min balance)


As I started eliminating states, I highlighted them in RED and listed in RED why I eliminated them.  Things highlighted in BLUE writing are things that are better than average.

Alaska
Arkansas
California (Monthly fee for debit Card)
Colorado
Delaware
District of Columbia
Illinois
Iowa
Kansas
Maryland ($50 to roll over, $1.25 monthly debit card fee)
Massachusetts (Not FDIC Insured) No annual fee and no initial minimum, no yearly min contrib.
Michigan (Financial advisor sold plan and fees to disbursements) no yearly min to contrib
Minnesota
Mississippi
Montana
Nebraska ($50 initial minimum deposit).  No debit card fee with no $250 min balance
Nevada
New Jersey
North Carolina
Ohio (loadable prepaid debit,  $50 initial minimum deposit)  $1 annual minimum deposit
Oregon (I am not comparing because I don't which of their 2 programs to look at)
Pennsylvania Yearly fee is $42 per year instead of $45
Rhode Island
Virginia (I am not comparing because I don't which of their 2 programs to look at)

Able Accounts that accept Out of State Residents

There are many things to consider when setting up an ABLE Account for your child with disabilities.

The first step is to go to the Able National Resource Center Website.

There is a button where you can "compare 3 states" or "compare programs by features".

Utah does not currently have an Able Program (as of 7/1/2020).  So you you have to use a program that is out of state.  But not all states accept people from out of state.

As of 7/1/2020 there were 24 states that accept people from out of state.  Here they are...

Alaska
Arkansas
California
Colorado
Delaware
District of Columbia
Illinois
Iowa
Kansas
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Montana
Nebraska
Nevada
New Jersey
North Carolina
Ohio
Oregon (they have 2 programs listed...1 says yes to out of state and 1 says no...so I am not sure)
Pennsylvania
Rhode Island
Virginia (they have 2 programs listed...the both say yes to out of state...but I am not sure which 1 you would pick...so I am not sure)