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When does my health insurance expire?

A brief overview...
  • As an insured, it’s your responsibility to know when your health insurance will end
  • The expiration date listed in your policy is not set in stone
  • Employer-based insurance expiration dates are usually based on contracts
  • Not having health insurance can be expensive
  • Open all correspondence from health insurance company

There’s no way to know exactly when your health insurance will expire unless you do some research first. When you first become eligible for health insurance, you know exactly when it starts.

The day your coverage becomes effective is listed on your policy, probably your insurance card, and is easy to find when you log on to your insurance company’s online account, but how do you know when it ends? That is not always as clear, but just as important to know.

Below, we will go over several ways you can find out when your health insurance expires?

If your health insurance is about to expire, enter your zip code on our site and compare free quotes to find a new plan before you decide to renew! Doing so could save you thousands of dollars over the next year!

Reasons Your Health Insurance May End Early

When you apply for health insurance, you likely received a start and end date. Unless something drastic changes, you can rely on that information to be true. However, there are a few instances that could occur that would change your effective and termination dates.

Some of the most common reasons your health insurance could end early include:

  • Divorce
  • Fired from employment
  • Left current employment
  • Insurance plan is being discontinued

Open all Correspondence from Your Insurance Company

If your coverage is coming to an end, you’ll likely receive notifications from the insurance company. But you won’t know if you don’t open the mail you receive.

We all get tons of correspondence from our insurance company, so it can be easy to overlook something important from what you believe to be junk mail.

If you do receive a notice that your health insurance is about to expire, you’ll need to take action right away. It might be as easy as renewing for the upcoming year. You may also want to seek insurance from a different company or through the Marketplace.

In most situations, your insurance will end in 10 to 30 days from the day the letter was mailed, so you’ll have to make decisions quickly, so you don’t run the risk of being uninsured.

Contact Your Human Resources Department

Another common reason that people worry about when their insurance is going to expire is if they are leaving their job or have been recently fired.You might think that you can ask a co-worker when your health insurance ends, but under most circumstances, everyone has

You might think that you can ask a co-worker when your health insurance ends, but under most circumstances, everyone has different issue and expiration dates. This is true because employer-based insurance is usually dependent on start and end dates.

It might be uncomfortable to contact your human resources department, especially if no one knows you’re planning to leave your job, but it’s the only way to know when your insurance will expire after you leave your job or have been fired. It’s worth noting that not all employers will end health insurance at a certain period.

Some employers may end your health insurance the day you quit or are fired. Other employers may give you till the end of the month or a certain amount of time such as 10 or 14 days. The bottom line is you won’t know until you ask.

Contact Your Health Insurance Directly

On the back of your health insurance card, there is a customer service phone number. If you can’t or don’t want to try any of the options above, you can always call your health insurance company and ask them when your insurance will expire.

It’s important to know when you call your insurance company, they are going off information in their system. If something is going to change soon or something has already changed and the insurance company doesn’t know, the information you receive may not be as accurate as you would hope.

Health Insurance Plan is Being Discontinued

If your health insurance plan is being discontinued, you might begin to panic. But the truth of the matter is that you will likely have time to find a new plan before you are no longer covered. It’s also worth mentioning that insurance plans aren’t often discontinued.

What Happens When Your Insurance Expires?


You need to have health insurance. If not, there will be consequences. Most importantly, financial consequences. If you don’t have insurance, you run the risk of huge medical bills. You can also be penalized on your taxes if you were required to have insurance and didn’t.

Fortunately, if you plan ahead, you have time to purchase affordable health insurance. Insurance can be purchased through the open Marketplace, a private agent, or you can apply for COBRA.

Find new health insurance today with free quotes! Shop and compare the most affordable policies in your state by entering your zip code into the box below!

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