# Carrier Effective Date Logic

#### Key

<table><thead><tr><th width="339.5">Term</th><th>Meaning</th></tr></thead><tbody><tr><td><strong>First of next month from today</strong></td><td>Coverage starts on the 1st of the month after the application date.</td></tr><tr><td><strong>Depends on 1st-15th vs 16th+</strong></td><td>If the application is received on the 1st through 15th, coverage starts the 1st of next month. If received on the 16th or later, coverage starts the 1st of the month after next.</td></tr><tr><td><strong>Depends on QLE past or future</strong></td><td>If the QLE is in the future, coverage starts the 1st of the month after the QLE. If the QLE is today or in the past, coverage starts the 1st of next month from today.</td></tr><tr><td><strong>QLE date</strong></td><td>Coverage starts on the date of the qualifying life event itself.</td></tr><tr><td><strong>Later of today/QLE, then 1st of month</strong></td><td>Takes the later of today and the QLE date. If that date is already the 1st, uses it; otherwise, the 1st of next month after that date.</td></tr><tr><td><strong>QLE date or first of next month</strong></td><td>If today is on or before the QLE, coverage starts on the QLE date. If today is after the QLE, coverage starts on the 1st of next month from today.</td></tr><tr><td><strong>Depends on QLE 1st-or-later</strong></td><td>If today is on or after the QLE, first of next month from today. If today is before the QLE: if QLE falls on the 1st, coverage starts on the QLE date; otherwise, the 1st of the month after the QLE.</td></tr></tbody></table>

### ICHRA SEP effective date logic by Carrier

<table><thead><tr><th width="231.5">Carrier</th><th width="180.5">States</th><th>ICHRA Effective Date Logic</th></tr></thead><tbody><tr><td>Ambetter</td><td></td><td>First of next month from today</td></tr><tr><td>Anthem</td><td>CT, GA, IN, KY, ME, MO, NH, NV, OH, VA, WI</td><td>Depends on QLE 1st-or-later</td></tr><tr><td>Antidote</td><td>NY</td><td>Depends on QLE 1st-or-later</td></tr><tr><td>BCBS AZ</td><td>AZ</td><td>First of next month from today</td></tr><tr><td>BCBS IL (HCSC)</td><td>IL</td><td>First of next month from today</td></tr><tr><td>BCBS IN/MO/TX (HCSC)</td><td>IN, MO, TX</td><td>Depends on QLE 1st-or-later</td></tr><tr><td>BCBS MT (HCSC)</td><td>MT</td><td>First of next month from today</td></tr><tr><td>BCBS NM (HCSC)</td><td>NM</td><td>First of next month from today</td></tr><tr><td>BCBS OK (HCSC)</td><td>OK</td><td>First of next month from today</td></tr><tr><td>BCBS SC</td><td>SC</td><td>Depends on QLE 1st-or-later</td></tr><tr><td>BCBS WY</td><td>WY</td><td>First of next month from today</td></tr><tr><td>BlueKC</td><td>MO (KC metro)</td><td>First of next month from today</td></tr><tr><td>CareSource</td><td>GA, IN, NC, OH, WV</td><td>Depends on 1st-15th vs 16th+</td></tr><tr><td>CareSource WI</td><td>WI</td><td>Depends on QLE past or future</td></tr><tr><td>CHRISTUS</td><td>TX, LA, AR, NM</td><td>First of next month from today</td></tr><tr><td>Cigna</td><td></td><td>First of next month from today</td></tr><tr><td>Healthfirst</td><td>NY</td><td>First of next month from today</td></tr><tr><td>Highmark</td><td>DE, NY, PA, WV</td><td>Later of today/QLE, then 1st of month</td></tr><tr><td>MedMutual</td><td>OH</td><td>Depends on 1st-15th vs 16th+</td></tr><tr><td>Molina</td><td></td><td>First of next month from today</td></tr><tr><td>Mountain Health CO-OP</td><td>MT</td><td>First of next month from today</td></tr><tr><td>Oscar</td><td></td><td>First of next month from today</td></tr><tr><td>Rocky Mountain Health Plans</td><td>CO</td><td>First of next month from today</td></tr><tr><td>Sanford</td><td>ND, SD</td><td>Depends on QLE 1st-or-later</td></tr><tr><td>Security Health Plan</td><td>WI</td><td>First of next month from today</td></tr><tr><td>UHC</td><td></td><td>First of next month from today</td></tr><tr><td>Wellpoint (Elevance)</td><td>CA, CO, FL, GA, IN, KY, MO, NH, NV, NY, OH, VA, WI</td><td>Depends on QLE 1st-or-later</td></tr></tbody></table>


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