During open enrollment, apply by December 15, 2026 for coverage on January 1, 2027.
An application from December 16, 2026 through January 15, 2027 starts February 1, 2027.
Outside those dates, a qualifying event usually gives 60 days. Losing MaineCare gives 90 days. Coverage usually starts the first of the month after you pick a plan.
Pick the date you will apply, and which window you are in. Nothing is sent. The special-enrollment guide has the event list.
Estimate, not an offer of coverage
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