What is the maximum waiting period under the ACA?

What is the maximum waiting period under the ACA?

• A. 30 days
• B. 60 days
• C. 90 days
• D. 180 days

Answer: (C)

The key idea is how long an employer-sponsored health plan can wait before coverage starts after someone becomes eligible for benefits. Under the ACA, the waiting period for these plans is limited to three months. This cap ensures people don’t go long without coverage once they’re eligible. The clock typically starts when eligibility is established, not just on hire, and coverage must begin by the end of that three-month window. Plans can choose shorter start dates, but they can’t extend beyond three months. So, the maximum waiting period allowed is three months.

The key idea is how long an employer-sponsored health plan can wait before coverage starts after someone becomes eligible for benefits. Under the ACA, the waiting period for these plans is limited to three months. This cap ensures people don’t go long without coverage once they’re eligible. The clock typically starts when eligibility is established, not just on hire, and coverage must begin by the end of that three-month window. Plans can choose shorter start dates, but they can’t extend beyond three months. So, the maximum waiting period allowed is three months.