1. How are effective dates determined?

i. When you enroll during Open Enrollment determines when your health and/or dental coverage will start: 

• For coverage starting January 1, 2024, you must enroll and complete your application by December 15, 2023.
• For coverage starting February 1, 2024, you must enroll and complete your application between December 16, 2023 and January 15, 2024. 

ii. Enrolling in health and/or dental insurance outside of the Open Enrollment requires a Qualifying Life Event. You typically will have a period of 60 days from the Qualifying Life Event date, which is referred to as a Special Enrollment Period, to enroll. The date your coverage will start will depend on the type of Qualifying Life Event you had for your Special Enrollment Period. 

iii. Connecticut residents that are eligible for the new Covered Connecticut Program can enroll at any time. Your coverage will start on the first of the month after you complete you enrollment and application.

2. Can I change my effective date?

 Your coverage effective date is based on the date you enroll and cannot be changed. For more information, call Access Health CT at 1-855-805-4325.