Waiting Periods

The Affordable Care Act (ACA) bans health coverage waiting periods of more than 90 days. Waiting periods of up to 90 calendar days are allowed after a participant satisfies the plan's conditions for eligibility.



Government Resources

  • Ninety (90) Day Waiting Period Limitation, IRS, EBSA, HHS, 6/25/2014 Final rule on allowable bona fide orientation periods before the beginning of a 90-day waiting period that is not longer than one month. The orientation period is one month, not 30 or 31 days. One month is measured by adding one calendar month and subtracting one calendar day from an employee�s start date. The waiting period begins the day after the orientation period ends.

  • Ninety (90) Day Waiting Period Limitation, IRS, EBSA, HHS, 2/24/2014 Final rule prohibits group health plans from requiring employees to wait more than 90 days before health insurance becomes effective. Plan enrollment also can be based on meeting a substantive eligibility condition such as meeting sales goals, being in an eligible job classification, achieving job-related licensure requirements or completing an orientation period.

  • FAQs About ACA Implementation Part XVI, EBSA, 9/1/2013 Employer exchange notice and 90-day waiting period, including multiemployer plans

  • Ninety (90) Day Waiting Period Limitation, IRS, EBSA, HHS, 3/21/2013 Proposed rule implementing the ban on waiting periods exceeding 90 days