If you sign up for an ACA Marketplace plan during Open Enrollment (Nov. 1 through Jan. 15), your individual and family marketplace health coverage will either start Jan. 1 or Feb. 1, 2024, depending on when you enroll in your plan.
If you enroll by Dec. 15, 2023, your plan will start Jan. 1, 2024
if you enroll after Dec. 15, 2023, your plan will start Feb. 1, 2024
If you enroll during a Special Enrollment Period, your coverage start date could vary.
If you enroll by the 15th of the month, your coverage will start on the first day of the next month after you enroll in a plan. For example, if you enroll on February 15, coverage will start March 1.
If you enroll between the 16th and end of the month, your coverage will start on the first day of the second month after you enroll in a plan. For example, if you enroll February 16, coverage will start on April 1.
If you enroll because you had certain Qualifying Life Events, your coverage could start on the first day of the following month after you enroll. For example, if your Qualifying Life Event is due to a marriage, you could enroll February 28, and coverage will start on March 1.
Keep in mind, there are exceptions to these guidelines depending on which state you enroll in, or for certain qualifying life events. A licensed insurance agent can help you determine which Qualifying Life Event you have.