I can only open an ABLE account in the state where I live.

False! You can open your ABLE account in any state that has an ABLE program and that is available for enrollment by residents of other states.  However, it is a good idea to look at your own state’s program first before choosing a program.  That is because there may be benefits to you in your state’s program, for example a state tax deduction for contributions or lower account maintenance fees.