When Will My Coverage Start?

Looking to get health coverage in a hurry? Pay close attention to your plan’s “effective date.” Your plan won’t pay for any care you receive before that date — even if your doctor doesn’t send you the bill until after you’ve enrolled in the plan.

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Your plan’s effective date should be clearly listed in the documents you’ll receive when you enroll. Technically speaking, your coverage will start when your plan has been “underwritten.” That means the insurance company has examined your application and decided to accept it.

Assuming that your application will be accepted, some health insurance companies will consider that your coverage started the date you applied. Others will consider it to have started the date your application was accepted. When in doubt, check the documents you receive when you enroll in the plan.

Our online Instant Quote tool lets you choose your preferred start date for coverage, and will show you plans that match. Or use our Plan Finder to get matched with plans compatible with your desired costs.

You can also speak with an agent directly with our Click-To-Call service, or get competitive quotes from multiple agents.

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