If you apply during open enrollment Nov. 1-Jan. 15, your coverage date will depend on timing.

If you are eligible for Medicaid or MCHP, your coverage begins on the first day of the month that you applied. For example, if you apply on Dec. 18 and are found eligible, your coverage will be considered effective as of Dec. 1.
You may also be able to get help with medical bills that you incurred up to 3 months before you applied. Applicants who need retroactive coverage and did not select this option during online enrollment should contact their local health department or department of social services.

If you enroll in or change your plan during a special enrollment period, in most cases, 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 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 some life events, your coverage may be available sooner.