A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured

Featured
13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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effective date

What is the effective date?

healthinsurance.org health insurance glossary

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. 

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