When will my coverage start if I apply during Special Enrollment?

Your coverage start date will depend on three factors: 

1. What your Qualifying Event is

2. What "trigger type" your Qualifying Event is associated with (i.e. whether your Qualifying Event triggers your effective date or your application does)

3. When you apply for health coverage

For details, find your qualifying event below:

Qualifying event Trigger type Start date
Lost coverage from employer Last day that coverage is effective 1st day of month following application receipt
Permanent move to new area Receipt of application 1-15: first day of following month, 16-end, first day of second following month
Marriage Receipt of application 1st day of month following application receipt
Spouse or depenent lost coverage Last day that coverage is effective 1st day of month following application receipt
New child QE date Date of birth, adoption or placement for adoption or foster care
Divorce Last day that coverage is effective 1st day of month following application receipt
New citizen Receipt of application 1-15: first day of following month, 16-end, first day of second following month
Native American Receipt of application 1-15: first day of following month, 16-end, first day of second following month
Release from incarceration Receipt of application 1-15: first day of following month, 16-end, first day of second following month
End of military service Receipt of application 1-15: first day of following month, 16-end, first day of second following month
Switching off COBRA Last day that coverage is effective 1st day of month following application receipt
No longer Medicaid eligible Last day that coverage is effective 1st day of month following application receipt
New child QE date Date of birth, adoption or placement for adoption or foster care
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