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powered by health insurance experts.

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Most Popular Questions About Health Insurance

Q: How Long Does It Take to Sign Up for Health Insurance?

We get this question a lot. If you know exactly what you want, you could sign up for health insurance in 10 minutes.

The signup process for health insurance is quite simple. Depending on whether you apply for health insurance, short-term health plans or Medicare Supplement, you’ll be asked slightly different questions. That said, it will take about the same amount of time to enroll in any of these options.

If you’re not familiar with different types of health insurance, it wouldn’t hurt to learn about your insurance purchase by reading our easy guides to health insurance options.

Online: Depending on the website, it can take fewer than 10 minutes to sign up for health insurance through an online application form. You’ll want to have your bank details and personal information on hand.

Once you enter your age and location information, it could take anywhere from a minute to an hour to choose a plan that you’d like to apply to. While you can filter plans based on their monthly cost, deductible or insurer, you also have the option of reading in-depth details about each plan. The amount of time that it takes to select an insurance policy will depend on how important of a decision that health insurance is for you.

Over the Phone: If you apply by calling a broker, can connect you with a live broker in less than 20 seconds. We find that callers typically spend between 20 and 40 minutes on the phone when signing up for health insurance or a supplementary Medicare policy. Our partners will walk you through your options.

Taking the Next Steps

It doesn’t take long to sign up for health insurance – you easily look for your options through our search & compare tool, and we can make the sign-up process simple for you. Search our database of individual health insurance plans to find the right plan for you.

Q: How Long Is the Health Insurance Waiting Period After I Sign Up?

There’s generally a short health insurance waiting period between when you enroll in coverage and when your plan actually begins to cover you. Your waiting period will depend on the type of insurance you enroll in, and when you purchase it.

If you’re not comfortable going without insurance for 90 days, it’s possible to fill the gap in your coverage with a short-term insurance plan.

Obamacare Insurance Purchased During Open Enrollment or Special Enrollment: If you’re buying health insurance on your own, your health insurance waiting period generally starts on the:

    • First day of the following month, if you’ve enrolled within 15 days of the start of the current month. For example, if you buy health insurance on November 14, your coverage can start December 1; or the
    • First day of the month after next month, if you’ve enrolled once 16 days or more have passed during the current month. For example, if you signed up for health insurance on November 27, your coverage will start on January 1.
    • Immediately, if you adopt or give birth to a child.

Certain states may shorten delays in coverage if you apply during the Open Enrollment Period.

How Long Is the Health Insurance Waiting Period After I Sign Up? |

Employer-Based Health Insurance: If your company offers health insurance, they can postpone your coverage for up to 90 days after you begin work. However, coverage can start as soon as your first day on the job, depending on the plan your employer selects.

You can receive employer-based insurance even if you apply outside of the annual health insurance open enrollment period – starting a new job is a “qualifying life event” that allows you to purchase major medical health insurance. Similarly, if you have coverage elsewhere that ends after you’ve started work, you can sign up for employer-based insurance subject to the same health insurance waiting period.

Medicare: As long as you plan ahead, it’s easy for Medicare and supplementary Medicare coverage to begin on the first day of the month that you turn 65 years old. There are a number of Medicare rules that determine whether you’re automatically enrolled and when your coverage will begin.

Medicaid: If your application for Medicaid is approved, then coverage will begin on either the day that you applied or the first day of the month that you applied. The specific rules will depend on your state, and will be detailed in your application.

COBRA: Since you’re continuing your health insurance when you elect to use COBRA, there’s no health insurance waiting period to enroll.

Taking the Next Steps:

Whether you’re looking for a few different Medicare coverage options or private health insurance, we can help you find it. Search our database of individual health insurance plans or look for a Medicare coverage option and find the right plan for you.

Q: What Is a Deductible?

A health insurance deductible is the dollar amount you have to pay out-of-pocket for covered healthcare and medical services before your health insurance coverage “kicks in” and starts to cover the cost of your care. One exception to this occurs under the Affordable Care Act, as the law requires marketplace plans to cover the full cost of preventative care, whether or not a policyholder has fulfilled his or her annual deductible.

Health Insurance Deductible Amounts Can Vary by Metal Level: Annual health insurance deductible amounts vary from one health insurance plan to another. Plans with higher metal levels (such as “gold” or “platinum” plans) tend to have lower annual deductibles and higher monthly premiums. Plans categorized under lower metal levels (like “bronze” plans) tend to have lower monthly premiums and larger annual deductibles. In other words, plans with lower premiums have higher deductibles and vice versa.

Most insurance plans have two deductible amounts: an individual deductible, which applies to individuals who are the sole policyholders covered by their plan and a family deductible, which applies when more than one person is covered under the same plan.

Taking the Next Steps

You can evaluate your health coverage and see if it’s the best option for your needs. Search our database of individual health insurance plans to find the right plan for you.

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