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When does my plan change become effective?

For most life events, if you qualify for a special enrollment period to change plans and report your new plan selection to Maryland Health Connection between the 1st and the 15th of the month, your coverage will begin on the 1st of the following month.

If you report your new plan selection to Maryland Health Connection between the 16th and the last day of a month, your coverage will begin on the 1st of the next following month. For example, if you select your plan July 16, your coverage will begin Sept. 1.

For certain life events that may qualify you for a special enrollment period, the plan will become effective following a different timeline. In the case of a birth, adoption or placement in foster care, the plan selected through a special enrollment period will take effect on the date of the birth, adoption or placement in foster care. For example, if you have a baby May 20 and select a plan through Maryland Health Connection on June 1, coverage for you and the baby will begin May 20.

In the case of marriage or loss of certain other health coverage that is considered minimum essential coverage, the plan selected through a special enrollment period will take effect on the 1st of the following month after your plan selection is reported to Maryland Health Connection. For example, if you lose your employer-sponsored coverage June 10 and select your plan June 20, your coverage will begin July 1.

In order for your coverage to be active, you must pay your monthly premium to the insurance company on time. The insurance company will send you a monthly bill. Call them to pay if you haven't received a bill.