Covered California Deadline and Effective Dates

It pays to plan ahead.

An effective date is the first day your insurance company starts to cover you. They will not pay for medical expenses prior to this date. It’s a general rule of thumb that coverage starts the first day of the month.

Submit your application by the applicable Covered California deadline in order for the insurance company to honor a particular effective date. As always, we recommend submitting your application ahead of time rather than the day of the Covered California deadline. This way you beat the rush, and provide time for any corrections needed on the application.

How It Works During Open Enrollment

Most anyone can sign up, renew a plan, or make plan changes during open enrollment. The effective date is determined by the date the application is submitted or plan change was requested. This chart is not reflective of each year’s open enrollment dates, so make sure to double check before you make plans.

Covered California Deadline and Effective Dates

The enrollment process at Health for California is simple and intuitive to use. The graphic below helps you understand the few simple steps you can expect to take during open enrollment to help you get the right health plan for yourself or your family.

Visit Health for California’s online form and follow the prompts to add your name, date of birth, zip code and gender for yourself and anyone else you need to cover. Our system gives you quotes for different plans so you can select the right plan for your needs before the Covered California deadline.

Our system lets you compare options side by side and apply for Marketplace coverage. Before you apply, you get a chance to speak with a Health for California agent to finalize the enrollment. The process is simple and designed to save you time while giving you the support you need to enjoy peace of mind with the right coverage.

Do you have questions about effective dates or any other part of the process, or need help securing the right coverage? It’s not a problem. At any point in the process, you can contact the friendly and professional Health for California team at 1-877-752-4737.

How It Works During Special Open Enrollment

Outside the open enrollment window is the special enrollment period. During this timeframe a qualified life event occurring within the last 60 days is required in order to enroll. Sixty days past is counted from the date the application is submitted.

Overlapping

There is a short period of time when open enrollment and special enrollment overlap.

What if you move permanently to California the first week in November and need your insurance to start December 1^st? Well, it is the open enrollment period, but for general applications the effective date is January 1^st and you need coverage sooner.

In order to get the correct effective date, your application would need to be:

1. Marked as an application with a special qualifying life event of “permanently moved to California” within the last 60 days

2. Submitted no later than the Covered California deadline of November 15th

It can be a little tricky. If you find yourself in this situation, give us a call at 1-877-752-4737 and we can walk you through the process.

Pay Your First Month’s Premium

Nothing is final until you pay. Remember, you can submit your application on time, but unless you pay your first month’s premium, your health insurance will not be activated for the effective date you want.