Find a plan.

effective date

What is the effective date?

The effective date is the date your insurance coverage commences. In most cases, this will always be the first of a future month, although a newborn baby or newly adopted child can have coverage retroactive to the date of birth or adoption. 

Here’s more about how effective dates work when you enroll in a health plan through the exchange. 

In most cases, employer-sponsored coverage will be effective the first of the month following your enrollment, or the first of the coming plan year if you enroll or make a plan change during your employer’s open enrollment period. 

Related articles

If you enroll through your marketplace your coverage effective date mostly depends on whether you're enrolling during open enrollment or a special enrollment period.

Legislation signed today provides substantial premium tax credits and cost-sharing reductions to Americans receiving unemployment benefits.

Open enrollment for 2022 ACA health coverage will start nationwide on November 1. In most states, it will end on January 15, 2023.