When will my coverage start?

Special Enrollment

During special enrollment (for most people, outside the normal open-enrollment period that happens in the fall and winter), your coverage start date will depend on your qualifying life event. 

For these life events, coverage will start on the first day of the month following plan selection: 

  • Needing coverage due to COVID-19. 
  • Losing Medi-Cal or job-based coverage (if you apply and select a plan before the last day of your Medi-Cal or employer coverage, your new coverage starts on the first day of the month after the loss). 
  • Marriage or registered domestic partnership. 

For most other qualifying life events, the start date for coverage depends on the date of plan selection. If you enroll by the 15th day of the month, coverage will start on the first day of the next month. If you enroll after the 15th day of the month, coverage will start on the first day of the second month. For example, if you enroll on April 10, coverage will start on May 1. If you enroll on April 16, coverage will start on June 1. 

For the birth or adoption of a child, or acceptance of a child into foster care, your coverage starts on the first day of the month following the birth, adoption, or placement in foster care but you can choose to have coverage start on the date of the birth, adoption, or placement in foster care, or on the first day of the month following plan selection. 

Open Enrollment

If you sign up before Dec. 15, your coverage will start on the first of the year. If you enroll after that, it will start on the first day of February for most people.

As with special enrollment, If you enroll by the 15th day of the month, coverage will start on the first day of the next month. If you enroll after the 15th day of the month, coverage will start on the first day of the second month. For example, if you enroll on April 10, coverage will start on May 1. If you enroll on April 16, coverage will start on June 1. 


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